NFP Insurance Company Review

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for by authoring consumable, understandable content.


NFP Insurance Company at a Glance

  • Founded in 1998
  • Offers coverage for individuals and businesses
  • Offers a wide variety of coverages
  • Offers numerous liability protections
  • Offers coverage in the US, Canada, Puerto Rico, and the UK
  • Not rated by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Weekend customer service availability
  • Growing financial strength

NFP Pros: More than 20 years’ worth of experience in the insurance industry. Offers coverage for individuals and businesses. Offers many types of coverage including life insurance, professional liability insurance, inland marine insurance, and more. High rating through the BBB. Coverage available in multiple countries.

NFP Cons: Not rated by A.M. Best. No 24/7 claims reporting. No online claims reporting. No online bill pay. No claims process or claims response time frame listed on website. Poor customer contact options. Large volume of dismal customer service reviews.

What Type of Insurance Does NFP Offer?

NFP offers an extensive catalogue of insurance solutions from both commercial and personal lines. Their coverage offerings include:

  • Business income insurance
  • Commercial auto insurance
  • Cyber liability insurance
  • Fine art insurance
  • Inland marine insurance
  • Ocean marine insurance
  • Management liability insurance
  • Environmental liability insurance
  • Product liability insurance
  • Owner-controlled liability insurance
  • Professional liability insurance
  • Property and general liability insurance
  • Commercial umbrella insurance
  • Workers’ compensation insurance
  • Personal umbrella insurance
  • Homeowners insurance
  • Life insurance
  • Farm and ranch insurance
  • Watercraft and yacht insurance
  • Personal aviation and aircraft insurance

This list of insurance products offered by NFP is not exhaustive. Your independent insurance agent can help you find information about even more coverage solutions offered by the carrier.

What to Know about NFP

NFP was founded in 1998, giving the carrier more than two decades’ worth of experience in the insurance industry. Today the insurance company caters to businesses and individuals and offers a large catalogue of coverage options, including professional liability insurance, commercial umbrella insurance, cyber liability insurance, personal umbrella insurance, and much more. NFP offers their coverage across the US, with additional locations in Canada, Puerto Rico, and the UK.

The insurance company’s LinkedIn profile states that they currently have between 5,001 to 10,000 employees across all of their locations, with just under 2,500 of them found on the social media platform. Moody’s Investors Service reports that NFP generated $758 million in income during the first half of 2020. The carrier’s financial strength has demonstrated to be growing over time.

NFP has not been rated by A.M. Best, the leading global credit rating agency monitoring the insurance industry. While ratings through this organization are not a requirement for an insurance company, they do help to solidify a carrier’s credibility and financial strength ratings, and potentially influence prospective customers’ decisions about whether to trust the carrier with their coverage needs.

However, NFP has received one of the highest ratings possible through the BBB, an “A+.” Ratings from the BBB are based on several criteria, including the business’s complaint history, the type of business, the length of time in business, transparent business practices, and any advertising issues. Prospective customers and partners are able to gain insight into an insurance company’s values by reviewing its rating from the BBB.

What Discounts Does NFP Offer?

While NFP does not make information about their specific discounts readily available, many modern carriers offer common discounts on comparable coverages. These discounts include:

  • Vehicle monitoring discount: This is offered to commercial auto customers who install monitoring devices in company vehicles to track speed. 
  • Protected vehicles discount: This is offered to commercial auto customers who protect their company’s vehicle fleet overnight, such as storing them in a garage or fenced parking lot. 
  • Product success history discount: This is offered to commercial liability customers who can provide a documented track record of product success. 
  • Cleanliness protocols discount: This is offered to professional liability customers who enforce standards of good hygiene, particularly for those in the medical industry. 
  • Firewall discount: This is offered to cyber liability customers who install additional safety programs on their computers to prevent cyberattacks and other risks. 

Your independent insurance agent can help you find even more information about exact discounts offered by NFP and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

NFP Customer Service

NFP encourages claims reporting by phone. The carrier also provides the following customer service options:

  • General contact form available on website
  • Email contact option available
  • Customer service and claims reporting hotline has the following hours restrictions:

Hours (EST)

Monday-Friday 8 am - 7 pm

Saturday 8 am - 7 pm

Sunday 8 am - 7 pm

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.


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What is NFP's average claim response time frame?

NFP does not provide 24/7 claims reporting, nor does their official website state any kind of claims response time frame promise for customers.

What is NFP's customer service availability?

NFP’s hotline for customer service inquiries and claims reporting is available at generous hours, Monday-Sunday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, which makes them more accessible to customers.

What is NFP's claims process?

NFP does not detail their official claims process. They encourage customers to get in touch with their NFP advisor to handle claims and customer service issues. Customers can also fill out the contact form on the website or call the carrier directly.

Does NFP create a user-friendly experience for customers?

NFP’s official website could use a major update. Pertinent information such as a claims process and claims response time frame promise is nowhere to be found, which could discourage prospective customers from choosing the carrier, and cause frustration with existing customers. The carrier also does not provide 24/7 claims reporting or other modern customer service features such as online claims reporting or online bill pay. Overall, NFP has a long way to go to catch up to other modern carriers in terms of user-friendliness.

Does NFP have good excess liability insurance?

NFP offers a wide range of coverages for professionals and individuals. The carrier takes pride in offering several excess liability protections for individuals in the following categories:

  • Watercraft and yachts
  • Homeowners, farm, and ranch
  • Group excess programs
  • Personal aviation and aircraft
  • Rental properties
  • Flood insurance and excess flood
  • Secondary and seasonal homes
  • Vehicles, including recreational and antique
  • Personal families and kidnap & ransom

NFP offers comprehensive liability protection for insurance customers of all kinds. Your independent insurance agent can help you find out more about the insurance company’s excess liability coverage, as well as their many other products.

Is NFP a good insurance company?

NFP has been around for more than 20 years now and has a high rating through the BBB. However, customer feedback seems to fall largely on the negative side. The carrier also does not provide many modern customer service options practically expected of insurance companies today. All of these factors together make us hesitant to call NFP a good insurance company.

NFP Customer Reviews

“Do not get insurance with this broker! I bought a new car in August and they quoted me in an email the amount it would be and then when I received my insurance papers I was charged $500 more than that amount. When I asked about it they first said they couldn't find the quote even though it is in the exact same email chain and then told me they would ‘look into it.’ That was 20 days ago. I have been trying to figure out why for almost a month now and they will not respond to any emails that I send to try to get an update. I even emailed the general email and still no response. Completely unprofessional company find someone else to get insurance with.”

“Call customers back, not pass the buck and have clients call from one dept. to the next. Why not try to provide the same level of service of the companies you purchase? Your customer service is appalling and wait times are unacceptable. If I could insure my numerous motorcycles with another company I would. Thank you.”

5 Stars
“I have had nothing but excellent experiences with everyone in the Chehalis, WA, branch. This team is very knowledgeable, and has helped me several times with insurance related issues.”

5 Stars
“I have been with them for years and they have always gone the extra mile to get me great coverage at an awesome rate. They are YOUR personal agent.”

“Our car and homeowners insurance was transitioned from Fullerton Insurance. We have been with Fullerton for almost 30 years. They were responsive and always returned a phone call. Since being taken over by NFP, many of our agents were let go. I can't get anyone to return a call. They are all ‘in a meeting.’ I have left several messages and still am waiting for a call back. My agent Fern is never working or just stepped out. We are moving to another state and merely want to transition our policies. I have since cancelled all policies with his firm and am happy to report here are people out there who value their clients and will actually sell insurance and provide information. Stay far, far away from this terrible organization.”'s Final Review

We award NFP a final rating of 2.5 out of 5 stars. The carrier has been around for more than two decades now and has a very high rating through the BBB. NFP provides numerous coverage options for individuals and businesses across the US and other locations. However, the insurance company’s website is not detailed in a satisfactory manner, and does not list their claims process or provide a claims response timeframe promise for their customers. NFP is also totally missing many modern customer service features such as online claims reporting and online bill pay. The carrier all around does not provide a user-friendly experience for prospective or existing customers. NFP’s customer contact options feel archaic compared to most other modern carriers, with only a general contact form available through the official website. Most disturbingly, however, is the high volume of customer dissatisfaction outlined in the numerous dismal reviews across the web. Customers mainly seem upset with subpar customer service practices through the carrier. No matter how good their coverage, if an insurance company doesn’t take care of its customers, it’s just not worth the investment in our eyes. So, overall we say that if you’re on the hunt for your next trusted carrier, work with your independent insurance agent to survey your other options, and perhaps skip looking into NFP entirely.

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