What does it mean if I am quoted with National Indemnity?
Usually that the preferred markets have been exhausted. National Indemnity writes commercial trucking risks standard carriers decline, so a quote from them is often the answer to a submission nobody else would take -- and a signal about how your account is being read rather than a judgement on you.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
The detail
National Indemnity Company is a commercial insurer writing hard-to-place transportation risks and is a Berkshire Hathaway subsidiary.
What this means for you
- Being here is not permanent. Most accounts land in a market of last resort for a specific, dateable reason -- a loss, a lapse, a cancellation, new authority -- and reasons age out.
- Find out WHY before accepting it. A submission reaches this market either because the risk genuinely is hard or because it was presented badly, and those need completely different responses.
- A lapse in coverage is one of the fastest routes here and the most avoidable. Never let a policy cancel while you argue about it; the gap costs more than the argument.
- Plan the route back. Twelve clean months, a documented driver standard, telematics and a tidy FMCSA record are what move an account toward the preferred markets, and somebody has to actually re-market it when the time comes.
- Compare terms, not just price. Markets of this kind sometimes attach narrower wording, and a cheaper policy with an exclusion that matters is not cheaper.
Related questions
- Is National Indemnity a bad carrier?
- No, and it is worth saying plainly. They are a long-established insurer writing risks the standard market will not, which is a necessary function -- without markets like this, an operator with one bad year would simply be unable to run. What matters is whether you belong there and whether anyone has a plan for getting you out.
- Why did my broker only get me one quote?
- Sometimes because it genuinely is the only market available, and sometimes because the submission was not built well enough for anyone else to look at. Those are hard to tell apart from the outside, which is why it is fair to ask which markets were approached and what each of them said.
- How do I get back to a standard market?
- Time and evidence, in that order. A clean twelve months is the main thing; after that it is the file -- driver records, an inspection history that matches the policy, an FMCSA profile that agrees with both, and a loss run somebody has actually read. Accounts stay in the hard market longer than they need to mostly because nobody re-markets them.
Need this handled?
We do the filings, and we place the accounts other brokers decline — lapsed authority, claims history, new ventures. Tell us the situation and a licensed human replies the same business day.