Medical Insurance

Harbor Freight recognizes that you have different needs when it comes to your medical plans. Depending on where you live, full-time Associates have several medical plans to choose from.
Part-time associates have access to our Limited Medical Plan which provides discounted reimbursement coverage for basic health care services and prescription drugs, with no deductible or copays. Harbor Freight even offers a free Associate-only standard limited medical plan.

Dental Insurance

Harbor Freight is proud to offer Associates the option to enroll in dental plans.

Vision Insurance

Harbor Freight is proud to offer Associates the option to enroll in vision plans.

Paid Time Off

Paid Time Off and Sick Time is offered to all part-time and full-time Associates. Associates have the flexibility to use their accrued time off as desired, or to cash out consistent with this policy.

Company Matched 401(k)

Harbor Freight offers a 401(k) retirement savings plan administered through Principal. We will match 100% of the first 3% that Associates contribute, plus 50% of the next 2%.

Wellness Program

To support our Associates’ health, we offer no-cost mental health and wellbeing support.
Mental health support — 3 free counseling sessions per issue/year for Associates and their households, plus a variety of online resources
Wellness program with up to $140 per year in rewards

Online Discount Marketplace

All Associates have access to an exclusive online discount marketplace, where they can save money on travel, entertainment, gifts, electronics and much more.

Short-Term Disability

This plan option can help cover expenses by paying our Associates cash if they are sick or injured and can’t work. Coverage includes disability due to pregnancy and childbirth.

Associate Harbor Freight Store Discounts

Harbor Freight offers a 20% discount to all part-time and full-time Associates on all items.

Paid Parental Leave

We understand the importance of family, and we provide up to 8 weeks of paid parental leave within the first year of birth or adoption/foster placement of a child to all full-time and part-time Associates.

Early Access to Pay

Associates can access up to 50% of their earned wages before payday free of charge one time per pay period.

Employee Emergency Relief Fund

This fund is a non-profit 501(c)(3) charity organization funded by our Associates, for our Associates. It provides short-term financial assistance to eligible Associates who have been affected by an unexpected and unavoidable qualifying event.

Family Planning Reimbursement

The Family Planning Reimbursement program provides financial support to all Associates with any type of family planning such as infertility or adoption.

Life Insurance

Life and AD&D insurance is provided to both full-time and part-time Associates.

Accident, Critical Illness and Hospital Indemnity Coverage

Accident, critical illness, and hospital indemnity insurance coverage options are available. The plan pays a cash benefit in the unfortunate event that Associates are in an accident, diagnosed with a covered illness, or admitted to a hospital.

Medical Travel and Lodging EAP

Harbor Freight offers travel reimbursement for Associates and dependents that need to travel to receive medical care not available within 50 miles of their residence.

Health Savings and Flexible Spending Accounts

Harbor Freight provides you with an opportunity to contribute tax-free money into a flexible spending account (FSA) or health savings account (HSA) with a company contribution.

Medical and Dental Premium Discount

For medically enrolled full-time Associates, we offer a discount on medical and dental rates if they complete certain requirements.

Virtual Checkup

For medically enrolled full-time Associates and their dependents, we offer an at-home no-cost virtual checkup to check your status on many health topics and discuss your results with a nurse practitioner.

Health Coaching

For medically enrolled full-time Associates, we offer no-cost health coaching to help with healthy eating, stress management, exercise & more through our wellness platform.

Long-Term Disability

Full-time Associates have coverage to help cover expenses due to long-term sickness or injuries.

Commuter Benefits

Our commuter benefits program helps our Associates save money on work-related parking or public transportation costs.

Condition Management Program

For medically enrolled full-time Associates and their dependents, we offer weight management support, blood pressure monitoring, diabetes prevention and diabetes management.

Virtual Physical Therapy

For medically enrolled full-time Associates and their dependents, we offer a no-cost virtual physical therapy program to help you overcome your joint and muscle pain at home.

Legal Insurance

Our legal plan provides Associates and their dependents with fully covered legal services from experienced attorneys with a buy-up option available.

Identity Theft Protection

Associates have the option to enroll in identity theft protection with a buy-up option available.

Pet Insurance

Our full-time Associates are eligible for a discount on pet insurance.