National Indemnity Company Insurance Review

What kind of insurance does the National Indemnity Company offer?
Written by Rene Todd Fields
Written by Rene Todd Fields

Environmental and natural resource advocate and business owner, Rene Todd Fields, has more than 10 years of experience working within both private and public sectors and enjoys helping individuals understand their options and make solid coverage decisions.


National Indemnity Company Insurance Company at a Glance

  • Founded in 1940
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • “A++” (superior) rating by AM Best
  • Strong financial stability
  • Offers multiple types of business insurance
  • Large network of independent insurance agents

National Indemnity Company pros: Reputable company with more than 80 years’ worth of knowledge in the insurance industry. Provides a full range of business insurance. BBB accredited since 1952. Employee reviews are mostly positive. One of the leading property/casualty members of the Berkshire Hathaway group of insurance companies.

National Indemnity Company cons: A number of customer service complaints by policyholders across multiple review websites. Very few customer reviews.

What Type of Insurance Does National Indemnity Company Offer?

National Indemnity Company is a specialty insurance company that supports businesses and offers the following types of insurance coverage:

Business insurance
Commercial auto:  Business auto, Passenger transport, Commercial trucks and truckers, Specialty operations 
Garage:  Dealers,  Service and repair shops
General liability:  Construction, Installation, service, and repair, Manufacturing and distributing, Stores and rental operation, Stores and rental operation, Transportation, Miscellaneous
Cargo: Damages to goods, Loading and unloading coverage, Refrigeration breakdown coverage, Earned freight coverage
Prize indemnification
Special events: Liability, Medical expenses

For businesses, National Indemnity Company offers an array of business coverage options. Whether you are in the market for commercial auto, general liability, special events, or a combination thereof, National Indemnity Company might be the right insurance company for you.

Using our insurance company directory can help you find the best insurance companies that specialize in your specific coverage needs. The company directory can also help you get connected to an agent near you.

What to Know about National Indemnity Company

National Indemnity Company was founded in 1940, making it an established insurance carrier with more than 80 years worth of experience in offering quality business insurance and services to businesses in 47 states. Today, National Indemnity Company is one of the leading property/casualty members of the Berkshire Hathaway group of insurance companies.

National Indemnity Company’s prestigious history and large size has aided it in earn a reputation as a markedly stable company. Furthermore, AM Best reports that the insurance company belongs to the $2 billion or greater financial size category.

National Indemnity Company’s established status and number of current insurance policies helps the insurance company’s reputation as a financially stable insurance provider with a strong outlook for the future. AM Best is the foremost global credit rating agency that monitors the insurance industry, and they give National Indemnity Company an “A++” rating, indicating the insurance company is a superior choice for insurance customers. The “A++” rating ensures potential customers that National Indemnity Company can offer certified, reliable coverage from a dependable and highly regarded insurance company.

AM Best is one of the oldest rating companies in the world and was established in 1899. Reviews from AM Best designates an insurance company’s financial strength and soundness and are based on comprehensive evaluations of the company’s business profile, operating performance, and annual report. AM Best’s ratings system allows customers to make a knowledgeable decision about what insurance company they can trust to meet their needs.

What Discounts Does National Indemnity Company Offer?

National Indemnity Company does not offer discount programs for their customers on their official website. There are some common discounts for specialty business insurance and include the following.

  • Safety discounts: Offered to customers who promote a safe, healthy, and secure business practices, can save immensely on their premium.
  • High deductible discounts: Offered to customers who opt to pay higher deductibles will pay lower premiums.
  • Bundling discounts: Offered to customers who have more than one type of policy with the same company.
  • Group discounts: Available to customers who are part of a group, profession, or class.
  • Loyalty discounts: Available to customers who stay with the same insurance company for a long period of time.

An independent insurance agent can assist you in finding discounts available through National Indemnity Company, which helps businesses get the most bang for their buck.

National Indemnity Company Customer Service

National Indemnity Company allows customers to handle claims over the phone or through their website. They offer claim services 24/7.

  • Customer service availability - National Indemnity Company’s customer service department has the following hours.

Hours (Central)

Monday-Friday 5am - 6pm

Saturday Closed

Sunday Closed

National Indemnity Company sells insurance through a substantial network of agents, including independent insurance agents. Independent insurance agents are on hand to handle claims and insurance matters for you, making customer service a breeze.


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National Indemnity Company FAQ

What is National Indemnity Company's average claim response time frame?

National Indemnity Company’s claims reporting hotline is available for customers via a toll-free phone number. Customers can also submit claims online through the website, via mail, email, or fax. The insurance carrier does not make an official claims response time frame promise on their website.

What is National Indemnity Company's customer service availability?

National Indemnity Company offers a customer service toll-free phone line for prospective and current customers to get ahold of them during business hours, Monday through Friday, 5am - 6pm. However, the insurance company’s claims reporting department can be reached 24/7.

What is National Indemnity Company's claims process?

Though customers can report claims via phone 24/7, National Indemnity Company encourages customers to file claims through their website. The following information comes directly from the official website on claims processing.

“Claims can be reported by the following methods:

  • E-mail:
  • E-mail: Encrypted Mail (available for any claim, required for Massachusetts residents)
  • Telephone: (800) 356-5750
  • Fax: (402) 916-3031
  • Mail: PO Box 31361, Omaha, NE 68131-0361

When reporting a claim, please provide as much information as possible on your initial notice. This will help us serve you better. However, DO NOT delay reporting due to incomplete or unknown information. The primary goal is reporting the accident, claim, or suit promptly.

If a serious injury has occurred, call the Claims Reporting Hotline, (800) 356-5750, immediately — even if information is limited.”

Does National Indemnity Company have good business insurance?

National Indemnity Company offers many insurance products for business insurance. According to several social media sites, reviews are mixed across the board on the quality of the insurance company’s products.

Is National Indemnity Company a good company?

According to many customer service reviews across many platforms, National Indemnity Company is not a very good insurance company for educators. They have communication issues with clients and mechanics, as well as issues with getting paid for services.

Does National Indemnity Company's website create a user-friendly experience for customers?

Customers can file claims, check claims status, pay their bill, update policy info, and learn about the coverage available through their official website. However, the insurance company’s website is not the most insightful to browse. There is also important information, such as claims processing time frames and business hours, appears to be missing. As far as social media is concerned, the insurance company does have a presence on LinkedIn to make itself a bit more open to customers.

National Indemnity Company Customer Reviews
“I drive a non-emergency medical transport. My vehicle has been hit by other vehicles five times in the last 20 years. Because Michigan is a no-fault State, my insurance has covered the damage. Here’s the kicker, although the other party was at fault, my insurance has gone up to a ridiculous rate. It was $3000.00 per vehicle when the business started. Now, it’s over $5,500.00 per vehicle. I hate that Michigan is a no-fault State!” —Vic Nicholls
“Don’t trust this insurance company. I had a business insurance policy with them. They continued to bill me even after my policy terminated and I sold the truck that was the subject of the policy. I called repeatedly to tell them the policy was cancelled and they denied it even though they had sent an official form K (notice of cancellation) to our regulator.” —mss363
5 Stars
“I signed up for a car insurance from the National Indemnity Company about two years ago and I couldn't find something to complain about ever since! I'm not a reckless driver, but, lately, a lot of minor accidents tend to happen around me. However, each and every time they acted in a professional manner and fully paid for the damages without making up excuses not to do so, like some insurance companies do. If I remember correctly, the application process took only a few days to be completed. Also, you won't find too much paperwork to do here, which was a great plus for me. Then, the customer service acted as if I was their boss, taking special care of all my concerns and giving me informative, detailed answers. It wouldn't be true to say that I have much experience with car insurance companies, but I can say without fear that the National Indemnity Company is one of the best.” —Harriett Fleming
“Have had National Indemnity for awhile now and have never had to use them till recently. We had an incident on our property where some damage was caused by a car to our fence outside. Called up National Indemnity and within a day I had a guy out here to give me an estimate. They got back to me quickly after that and set up the follow-up appointment for the fix. Took about two weeks after the estimate to get the guys out there but there work was top notch and National Indemnity was easy to work with throughout the whole process. Home Insurance is one of those things you hope you never really have to use but it’s so nice to have when you do need it. National Indemnity did not let me down and I highly recommend them.” —Fred Kabibil
“I bought a new car for my wife to commute to work. So the dealer suggested this company for getting the car insured. Initially I was a bit reluctant as I wanted to go with my old insurance company, but later thought that I will just get all the required information and only if I am satisfied will go ahead with the insurance. But to my surprise , when I met the agent and got all the information about the policy, I was quite surprised. The premium is also very reasonable and affordable. It was half the premium that I am paying now for the same cover. Secondly, they don't have any hidden charges and application process is very simple with little paper work. The customer service was also very kind to clear all my doubts. I am really happy with the service that I have got. Really awesome.” —Vishwa Abhilash's Final Review

We award National Indemnity Company a final rating of 2.8 out of 5 stars. National Indemnity Company has strong financial stability and offers dependable coverage to customers across the US. However, a number of customer complaints about the insurance company’s claim responses and the subpar website establishes that National Indemnity Company still has plenty of room to grow. The insurance company provides 24/7 claims reporting via phone, online, and online bill pay, yet they do not list their business hours on their official website. There also is not a whole lot of information about the insurance company’s coverage options, beyond basic information, on their official website. Nor is there a claims response time frame promise or an outline of their claims process located on their website. So our recommendation is that if you are looking for specialty business coverage, assess your other options for trusted insurance companies with your independent insurance agent, and maybe take a further look into National Indemnity Company.

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