Northland Insurance Company Review

Northland Insurance Company, based in St. Paul, Minnesota, offers auto insurance to the transportation industry and its supporting businesses. This would include, but not be limited to, bus companies, shuttle bus operators, commercial trucking businesses, limousine companies and watercraft transportation entities. They do not provide personal auto insurance coverage to individual drivers.

Northland insures commercial drivers and transportation companies in all 50 states, but most of their policies are written in Oklahoma, Montana, Alaska, Massachusetts and Missouri because these states offer the bulk of the nation’s commercial
transportation opportunities. If a trucker is involved in an auto accident in a state other than the one that the Northland insurance policy was written in, claims service is still fast because Northland provides insurance in all 50 states. There are also some common differences in states’ rates.

Coverage Types:

• Auto Liability
• Bodily Injury Insurance
• Comprehensive or Specified Perils
• Cargo
• General Liability
• Collision
• Financed Value Coverage
• Rental Reimbursement Coverage

Other Services:

Northland has been in business since 1948. It offers a wide range of flexible coverages and extra services. Their prices are reasonable, their deductibles are affordable, they have fast claim service and offer a useful billing option. Northland has an A+ industry rating and a market capitalization (overall value) of 2 billion.

This commercial insurance company has automatic Federal Highway Administration (FHWA) filings and pays all FHWA filing fees. They offer reduced rates if the transportation company has a 1-800 public feedback program.

Northland offers an accident reduction plan and will give reduced rates to companies who drug test their drivers through an affiliate program with a national test provider. Northland also keeps their insured in the transportation industry updated on safety
changes through newsletters and a risk control media library.

There are times when truckers receive damages to their vehicle that fall below their deductible. Northland will pursue recovery of those losses, and award the monetary recovery to their insured.

Northland offers auto insurance coverage to two types of transportation businesses in the form of preferred risk profiles, as follows:

1. Non-Fleet Businesses, consisting of 1 – 10 drivers; and

2. Fleet Businesses, consisting of 11 drivers and over.

Non-Fleet Preferred Program:

• Truckmen
• Management with 2 or more years’ experience
• Operators with good driving records and experience
• Hauling materials that are not hazardous

Fleet Preferred Program:

• Truckmen
• Management with at least 5 years of experience
• Management that is safety conscious
• Low driver turnover
• Drivers that haul non-hazardous materials
• A driver pool that has good motor vehicle reports

Customer Service:

Northland offers customer service through e-mail, telephone and its customer website. All of Northland’s insurance providers have gone through their own rigorous rating process for service and reliability.

Northland is also part of the Midnight Trucking Radio Network that broadcasts weekly where Northland insurance agents and other specialists answer insurance questions from real truckers. This helps to educate the truckers on what types of coverages are
available, and it helps Northland to better meet the insurance needs of their trucker clients.

More Liability:

Northland has the resources to cover the types of accidents that are specific to the transportation industry. This means that it is readily able to cover the high liability amounts of large groups of people at one time. This type of coverage is imperative for companies that provide tours and public transportation.

Overall Review:

Northland Insurance Company specializes in transportation industry coverage, including tours, public transportation, hauling of non-hazardous materials and products, and commercial watercraft. It has the resources to cover large transportation accident claims and will defend its clients in the event that a lawsuit is filed against them.

Northland has a toll-free number on their website for immediate assistance. A Northland client can also report an accident or ask a question online. Both the toll-free number and the website are open 24-hours a day, 7 days a week.