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Northland Insurance Review

Northland Insurance reviews sometimes appear under its parent company, Traveler's Insurance. Northland Insurance Company writes commercial insurance for the trucking industry with average Northland liability insurance rates of $708/mo per truck.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 15, 2020

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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 Traveler’s Insurance.
  • Northland writes policies for both fleet 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 Traveler’s Insurance, Northland Insurance Company serves a specific market of auto insurance. Products for commercial truck and public transportation put this company in a niche market not often served by standard insurance companies.

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

Northland Commercial Car Insurance Rates

Northland 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.

Commercial Insurance CoverageAverage Rate (Per Truck)
Primary Liability$8,500/year
$708/month
General Liability$650/year
$54/month
Umbrella Policy$600/year
$50/month
Physical Damage$2,000/year
$167/month
Bobtail Insurance$475/year
$40/month
Cargo Insurance$800/year
$67/month
Get Your Rates Quote Now

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. Traveler’s Northland insurance currently has two offices, one in St. Paul, Minnesota, and the other 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 help you find an agent in your area. Northland quotes are available only through agents.

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Northland Commerical Car Insurance Coverages 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 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:

The Northland Insurance Company’s divisions write commercial insurance exclusively. If you are looking for Travelers boat insurance reviews, please visit Consumer Advocate’s webpage.

Looking to insure your jewelry? Travelers and Northland insurance are related companies. If you’re looking for Travelers jewelry insurance reviews, visit Wallethub’s page for the topic.

What are Northland’s bundling options?

Northland 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.

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 by Northland?

On Northland’s 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.

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What programs are available from Northland?

Northland provides insurance 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.

The video below tells the story of a man who experienced an accident on I-40 in Tennessee.

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.

Canceling Your Northland 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 to Make a Northland Car Insurance Claim

Northland offers customers the option of filing claims online, by phone, 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.

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Northland: Car Insurance Ratings

Since Northland is owned by Traveler’s, 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. Traveler’s, 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 ratings for Northland Insurance from A.M. Best, Better Business Bureau, and Fitch.

Northland Insurance Financial Strength
Rating CompanyNorthland GradeOutlook
A.M. BestA++Stable
Better Business BureauA+Stable
FitchA+Stable
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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. The video below details Northland’s credibility in many fields.

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.

Northland Insurance Review: 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 Northland insurance 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.

Frequently Asked Questions: Northland Insurance Review

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

How can I get a job at Northland?

Northland insurance jobs can be found by accessing careers.travelers.com.

Are there Travelers Jewelry Insurance reviews?

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

What is 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.

References:

  1. https://www.iihs.org/topics/fatality-statistics/detail/large-trucks
  2. https://www.bbb.org/us/ct/hartford/profile/insurance-companies/travelers-companies-inc-0111-32000004/complaints
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

5 Comments

  1. I just started with Northland, already a bad experience. They do not help you when you need it. I wanted to simply add something to my policy it been three days still nothing, it’s almost like they don’t care.

    Reply
  2. In August 2017, my husband and I had our van totally destroyed on I-55 in Illinois when a wheel (not just a tire) came off a semi truck owned by a Northland insured, crossed a grassy median and slammed into the driver’s side of our van. Miraculously, my husband and I sustained only minor injuries. The Illinois Crash Report cites the driver for a suspended CDL and for driving a vehicle with loose and/or missing wheel bolts. It also states that Federal Motor Carrier Safety Administration violations were the primary cause of the crash. Despite all of this, Northland’s adjuster claims it is an “act of God.” She has done everything in her power to dodge responsibility and prevent resolution of this claim. Beware of this company. It employs very unethical business practices.

    Reply
    • I agree! I’m sure they made a deal under the table with attorney. Otherwise why wouldn’t my attorney get all relevant proof of my injuries from my doctors for evidence? At last minute he presented none of my evidence to me and withdrew knowing he was getting fired. Unethical!!!! They have to be.

      Reply
  3. [Redacted] is an ins adjuster for this company and mule opinion shouldn’t even be employed at a fast food rest. She is rude and doesn’t do her job and therefore continues to put it off by saying she can’t talk to you because you have a lawyer and she hasn’t gotten what she needs from the lawyers yet to move forward. I’ve worked with ins claims in the past and know more than she does any day. This company is a joke and all they do is try to get out of paying out on their claims. SCAM ARTISTS AND [Redacted] IS ONE OF THEM she hung up on me like a professional when I started proving her wrong. Meanwhile I’ve not had a vehicle for over 2 months and still owe on it while she gets in her car and drives wherever she wants daily.

    Reply
  4. We have a semi insured thru northland in Utah u totaled it . We told [Redacted] that the tires which were only three days old only 900 miles on them that we were taking them off replacing with old tires and that had a 10,000 wet kit wasn’t going with truck either. He jumped the gun sold the truck to a salvage without having our title with the pictures of new tires and the wet kit. The salvage changed their minds. [Redacted] told us that we would get 25,000 for the truck plus tow bill of 2,365.75 now since salvage co backed out he’s only giving us 15,000 that includes tow bill. Better make sure he’s not pocketing the rest of this money

    Reply

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