Northland Insurance Review & Complaints: Commercial Car Insurance (2024)

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Here’s what you need to know…

• Northland Insurance was founded in 1948 to provide insurance to commercial trucking and public transportation companies
• The headquarters of Northland Insurance Company is in Connecticut
• Northland’s parent company is Travelers Insurance
• Northland writes policies for both a fleet trucking company and non-fleet trucking companies

When reading company reviews, it’s rare to get an unbiased opinion. Our dedicated researchers know how time-consuming it is to find accurate, up-to-date information, and narrow down the field to the best insurance companies.  That’s why we created this Northland Insurance review.

Part of Travelers Insurance, Northland Insurance Company serves a specific market of vehicle insurance. Products for commercial trucks and public transportation put this company in a niche market not often served by standard insurance companies.

Before jumping into our Northland vehicle insurance review, enter your ZIP code into our FREE tool to find car insurance quotes.

Does the company offer competitive commercial car insurance rates?

The company doesn’t write personal car insurance, so no rates for that type of coverage are available. While we don’t have Northland rates, here’s a look at the average cost of commercial truck company insurance by coverage type.

Northland Insurance was founded in 1948 and is now part of Travelers Insurance. The company was created to provide insurance to commercial trucking and public transportation companies, such as shuttles and limousine services. Travelers Northland insurance currently has two offices, one in St. Paul, Minnesota, and the other in Hartford, Connecticut.

Northland also has two other divisions aimed at other markets. Northfield Insurance writes commercial property and casualty for specialty markets, including liquor liability, general liability, commercial auto insurance, property coverage, and a long list of other commercial products.

The other division is Northland Casualty Company, but this division does not have a section on the website describing its products. Northland Insurance offers policies for owners and operators, fleets, public auto, and commercial trucking insurance.

Due to the fact that Northland works in such a niche market, it is difficult to obtain a price comparison, and Northland auto insurance quotes will be very personalized. This is because Northland does not write for any of the products normally referenced for rate checks.

What is Northland’s availability by state?

Northland is available to customers in all 50 states. Northland has a website dedicated to helping you find an agent in your area. Northland quotes are available only through agents.

Northland Insurance Services in Rice Lake, WI is not part of the company.

What types of commercial car insurance products are offered?

Northland works specifically on policies for vehicle insurance for specific markets. Several businesses are eligible for Northland Insurance policies, including owners/operators, fleets, and public auto services.

Public Transportation: Northland provides insurance for public transportation companies, such as shuttles, limousine services, athlete and entertainment buses, church and social services vehicles, and more. These options include:

• Extended Cargo insurance for parcels being delivered free of charge
• Hired Auto
• Financed Value Coverage
• Non-ownership Liability Coverage

Policies include all of the usual coverage with commercial auto insurance, in addition to a list of options specific to the needs of public transportation services.

Truck Insurance: Coverage in the truck insurance program includes all of the basics, as well as a long list of added features and discounts, including:

• Automated FHWA filings/fees paid
• Free consulting with Risk Control Representatives
• Reduced rates for drug and alcohol testing
• Reduces rates for participation in 1-800 public feedback program
• Safety training materials
• Subrogation services even when losses fall below the deductible

Northland writes both fleet and non-fleet insurance for trucking companies. They also have both preferred and non-preferred insurance programs for different types of risk.

Business Property and Casualty: Through Northfield Insurance, coverage is available for more than1,500 types of businesses. Coverage is available for:

• Business General Liability Insurance
• Commercial Property/Business Property Insurance
• Crime
• Inland Marine
• Liquor Liability
• Professional Liability

The Northland Insurance Company’s divisions write commercial insurance exclusively. If you are looking for Travelers boat insurance reviews, you will need to look elsewhere.

Looking to insure your jewelry? Travelers and Northland insurance are related companies. If you’re looking for Travelers jewelry insurance reviews, that’s a specific niche we don’t cover.

What are the bundling options?

The company has an extensive background in the truck and commercial insurance, making it an excellent choice for your business.

In terms of bundling, owner/operators are eligible for deluxe coverage to get a more competitive price.

Deluxe coverage is a bundle of coverage that may be purchased with Physical Damage coverage and includes Downtime, Diminishing Deductible for physical damage and cargo, Aggregate Deductible, rental reimbursement, and Personal Effects Property.

What are the discounts offered?

On the website, the Northland Advantage℠ is mentioned as an added benefit to customers. These benefits exist as flexible payment options and quality protection.

While flexible payment options may not relate directly as a discount, they can help offset costs at times when money is tight.

Among other benefits are risk control solutions, local agency knowledge, specialization in cargo security consultation, accident and theft investigation, and dedicated transportation attorneys.

What programs are available from the insurance carrier?

Northland provides truck insurance products for the transportation industry, additional insurance is often needed to ensure those being transported are safe.

Accidents commonly happen in a different state than where the insurance was originally purchased. Truck drivers, who often drive long distances, may find themselves in a pickle far away from home. As the Insurance Institute for Highway Safety (IIHS) reports, truck driver fatalities are on the rise.

Northland is great for this particular issue because it provides coverage to drivers in all 50 states. Northland offers the following coverages that support Motor Carrier and Public Auto Passenger Carrier customers:

• Auto liability
• General liability for truckers class
• Motor truck cargo
• Physical damage
• Tool and equipment floater
• Workers compensation

It also offers free state and federal highway motor carrier filings with same-day service if submitted by 2:30 p.m. CDT. While they don’t offer a wide variety of insurance products, Northland does offer many types of coverage for commercial truck insurance.

How can I cancel my commercial car insurance policy?

The cancellation of your Northland Car Insurance Policy will likely be processed through the claims department of the company.

Is there a cancellation fee?

Finding out the cancellation policy of your insurance company is important should you choose to discontinue your service. Cancellation fees are a huge inconvenience because you are already shelling out a lot of money for insurance.

How do you cancel?

You can cancel your insurance policy by contacting the parent company, Travelers. Due to the slippery nature of auto policies, it is best to refer to your agent.

How can I make a car insurance claim for Northland Insurance?

Claims can be filed online, by calling the Northland Insurance phone number, or by mail.

• Online form
• 1-800-328-5972 — 24/7 claim center
• 1-866-248-4608 — fax line
• Mailing Address: Northland Insurance
  P.O. Box 64805
  Mail Code SB03N
  St. Paul, MN 55164-0816

The headquarters of Northland Insurance Company is in Connecticut, at the following address:

• Northland Insurance
  One Tower Square
  Mail Code CR04
  Hartford, CT 06183

The company website requests that all claims involving serious damage or any injuries should be reported directly through the claims phone line at the scene. Other claims can be filed via one of the many other options provided.

Northland Insurance Digital and Technological Features

Mobile App Features and Functionality

Northland Insurance offers a user-friendly mobile app that enhances the overall customer experience. The app provides policyholders with convenient access to their insurance information, enabling them to view policy details, make payments, and, importantly, file claims directly from their mobile devices.

This mobile app’s features and functionality are designed to simplify insurance management for policyholders on the go.

Online Account Management Capabilities

Effective online account management is essential in today’s digital age. Northland Insurance provides robust online account management capabilities through its website. Policyholders can log in to their accounts to review policy documents, make policy changes, and track the progress of their claims.

This online portal empowers customers to have greater control over their insurance policies and access essential information 24/7.

Digital Tools and Resources

In addition to its mobile app and online account management platform, Northland Insurance offers a range of digital tools and resources to assist policyholders. These tools may include calculators, educational materials, and resources to help customers make informed decisions about their insurance coverage.

The company is committed to leveraging technology to provide valuable resources that enhance its customers’ insurance experience.

How Are the Company’s Ratings?

Since Northland is owned by Travelers, the two companies share a Better Business Bureau rating. For specific Travelers insurance reviews, you can visit the BBB’s site.

Northland is not accredited by itself through the new BBB system because subsidiaries have been combined with their parent companies for the purpose of rating. Travelers, the parent company of Northland, has an A+ rating at the time of this review, with 331 complaints in the past three years.

The table below shows the Northland Insurance A.M. Best rating, Better Business Bureau, and Fitch ratings.

Northland Insurance Financial Strength

Ratings are based on the financial health of a company. An A++ signifies strongest, while an A+ rating qualifies a company as sufficient.

A “stable” outlook means that a company will likely keep its head above water, while a negative outlook signifies the opposite.

There are a few complaints against Northland Insurance scattered across various review sites. The complaints center around claims issues with customers – and non-customers – who were involved in an accident with a Northland insured and not satisfied with the outcome of the claim.

Nothing of major concern stands out in these complaints. It’s also worth noting that as a commercial insurer, Northland deals mainly with businesses. Individuals, not businesses, are more likely to post complaints online. That makes Northland Insurance Company reviews harder to find.

The Northland Insurance Company’s NAIC complaints are also low.

What’s the bottom line?

Northland Insurance writes a very specific type of coverage, aiming mainly at commercial transportation services as well as writing more general commercial liability through their Northfield division.

What information did you find helpful in this guide? We hope that our review was helpful for those in search of specialty commercial insurance. Now that you’ve finished this Northland Insurance company review, use our FREE quote tool to find rates for you.

Before we conclude this article, let’s acknowledge some questions that still need attention.

How can I get a job at Northland?

Northland insurance careers are listed on the Travelers website.

Are there Travelers Jewelry Insurance reviews?

As we discussed earlier, Northland is a subsidiary of Travelers. We recommend looking at Travelers reviews (like ours) for jewelry insurance information or calling the company directly rather than using WalletHub insurance reviews.

What is the Northland Insurance company’s NAIC number?

Northland’s NAIC number is 24015, the same as Travelers Insurance Group.

Is Northland offered in my state?

Most likely, yes. Northland is available in all 50 states. You can find a specific agent through their web portal.

Is there a partial refund from Northland Insurance during COVID-19?

The insurance industry is one of the many industries hit hardest during COVID. Many insurance companies have partial reimbursement throughout this pandemic, including Northland Insurance. COVID-19 impact.

Travelers, the parent company of Northland, is expanding billing relief for all of its U.S. customers. This means customers receive 15 percent credit on their April, May, and June premiums.