National Interstate Insurance Company

National Interstate Insurance Company Review

National Interstate Insurance is a leading insurer for commercial transportation companies and offers financing solutions in 50 states. The company was founded in 1989 with the goal of focusing on people rather than claim numbers.

People matter at National Interstate Insurance, and that is why the company has been able to grow their operation to over 600 people.

Over 30 specialty insurance products are available, including options for:

  • Alternative risk transfer
  • Traditional insurance
  • Specialty vehicle insurance

National Interstate Insurance Coverage Types

National Interstate Insurance
© National Interstate Insurance

National Interstate is a major insurance provider for a wide range of trucking companies, from single person operations to large trucking outfits. The company has:

  • First-dollar coverage
  • Small deductible programs
  • Large deductible programs

Trucking companies are able to choose the deductible options that work best for their operation as well as alternative risk transfer programs.

Coverage Options

Coverage options that are available include:

  • Automobile liability
  • General liability
  • Physical damage
  • Garage liability
  • Excess liability
  • Motor truck cargo

Truckers and trucking companies have numerous insurance options at their disposal that allow them to stay on the road while protecting their truck and its cargo.

Coverage is available for multiple transportation classes, including:

  • Ambulance
  • Crane, Rigging and Specialty Carriers
  • Fleet Trucking
  • General Commercial Insurance (Hawaii only)
  • Limousines
  • Motorcoaches
  • Propane Haulers
  • Public Transit Systems
  • School Buses
  • Waste Operations

When you contact National Interstate, you’ll be working with a team of underwritings and claim experts that will work hard to create a policy that meets your unique transportation insurance needs.

Multiple options are available, including:

National Accounts

Innovative alternative risk transfer programs are available through the National Accounts group. The insurance has premiums in excess of $2 million and is available in a wide range of transportation segments, including:

  • Passenger transportation
  • For-hire trucking
  • Waste
  • Energy
  • More

You can work to create a policy that has its own structure or a standard plan for a single, large deductible.

There are multiple options, including the Large Account Rental Captive, LARC. Through LARC, larger fleets are able to customize programs to their unique needs. These plans provide much greater control over pricing and allow for the ability to generate investment income.

Specialized Carrier

National Interstate Insurance offers unique insurance option that are designed to meet the needs of specialized carriers. These insurance options include a robust set of innovative solutions for transportation companies that haul:

  • Heavy haul
  • Cranes
  • Rigging

First-dollar deductibles and alternative risk transfer options are available. Single account options are available for large customers, while policyholders enjoy dedicated service professionals who can handle all of their account and claim needs.

Alternative Risk Insurance

Alternative risk insurance, also known as ART, is a way for you to be your own insurance company. Large trucking businesses, for example, use ART to allow truckers to pay into customized programs.

If there are no accidents or claims, a portion of your premium becomes investment income, which is returned.

ART shares the risks differently, allowing you to share the risk between your business, National Interstate Insurance and members. Trucking companies that are known for their safety can benefit from ART.

When you have a good safety record that is better than your peers, ART can provide a substantial savings.

These programs are available to:

  • Fuel haulers
  • 18-wheelers
  • Rental cars

National Interstate Insurance Claims

When you work with National, you’re working with a commercial transportation insurer that will handle claims aggressively. Hundreds of millions of dollars in claims are adjusted each year through the insurer.

Working on the behalf of every policyholder, the insurer will work to reach resolutions that are:

  • Cost-effective
  • Equitable
  • Fair

A superior level of service relieves the burden of having to deal with tedious claims. Teams are divided into specialties so that you can be confident that you’re always working with the industry’s best resolution expert.

Claims can be filed 24/7, 365 days per year.

If an incident does occur, it only takes a four-step process to get through the claims process:

  1. Report the claim
  2. Gather information
  3. Discuss all pertinent information to the claims professional
  4. Wait for the team to remedy the claim

In the event that a catastrophic claim needs to be filed, there is a special hotline available that allows you to file the claim and get service immediately.

Reviews for the National Interstate Company

You’ll find that National Interstate is a mixed bag, with truckers claiming that the service is top-notch and others stating that there are some issues with the service. A few of the reviews are:

  • A policyholder claims that the cash back program and easy claim filing makes being insured by the company a great option. When filing a claim for damage, the company was quick to respond and was very helpful.
  • One policyholder claims that their claim was processed very slowly and was eventually denied. There’s no information on what the claim entails, so it’s difficult to judge this review.

National Interstate has a long track record and custom policy plans that cater to the needs of the transportation industry.


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