Northland Insurance

Northland Insurance Company Review

Northland Insurance is one of the largest insurers for public and commercial transportation companies. The company, which has been in business for more than 70 years, has a dedicated team of industry experts offering flexible coverage options to policyholders.

Northland Group Insurance Policies

Northland Group offers coverage for trucking fleets, owner-operators and public autos. Comprehensive coverage is available to meet the needs of the transportation industry.

Fleet Insurance

Fleet owners can protect their business with insurance from Northland Group, which includes:

Physical Damage Insurance

  • Financed value coverage
  • Rental reimbursement
  • Electronic equipment coverage
  • Coverage for owner/operators leasing with fleets
  • Deductible reimbursement coverage
  • Windshield repair
  • Identity fraud reimbursement
  • Non-owned trailer when attached
  • Combined deductible coverage
  • Tarps, chains and binders
  • Physical damage coverage for hired cars


There are two types of cargo coverage from Northland: Custom Cargo and Premier Cargo. These coverages include:

  • Catastrophe limit of up to $1 million
  • Custom trip endorsements
  • Hired car cargo


  • Trailer interchange
  • Reimbursement for identity fraud expenses
  • Additional insured

General Liability for Truckers

  • Includes Product/Completed Operations
  • Liability coverage for employee benefits

Other Services

  • Free highway cargo filings done on your behalf if required by law
  • Subrogation services
  • Access to the Risk Control Customer Portal
  • Flexible payments
  • Assistance with DOT and fleet safety compliance

Northland Owner Operator Insurance

The owner operator coverage from Northland is flexible and comes at a competitive price. Policyholders enjoy convenient billing and value-added services.

Along with general liability for truckers, coverage includes:


  • Trailer interchange
  • Family emergency travel
  • Non-trucking liability
  • Additional insured
  • Reimbursement for identity fraud expenses

Physical Damage Protection

  • Combined deductible
  • Electronic equipment, including hired car physical damage
  • Windshield repair
  • Identity fraud reimbursement
  • Tarps, chains and binders
  • Non-owned trailer when attached

Deluxe coverage form includes:

  • Downtime loss
  • Aggregate deductible
  • Rental reimbursement
  • Personal effects coverage
  • Diminishing deductible

Cargo Coverage

  • Hired car coverage
  • Broad coverage language
  • Custom and Premier Cargo coverage options
  • Catastrophe limit of $1 million
  • Custom trip endorsements

Other Services

  • Free highway cargo filings done on your behalf if required by law
  • Subrogation services
  • Access to the Risk Control Customer Portal
  • Flexible payments
  • Assistance with DOT and fleet safety compliance

Public Auto Coverage

Northland offers coverage for vans, buses, limousines, shuttles and other public autos. Their standard and optional coverages include:


  • Collision
  • Liability coverage
  • Medical payments
  • Electronic equipment
  • Comprehensive (includes roadside coverage, windshield chip repairs with no deductible and windshield replacement at reduced deductible)
  • Personal injury protection
  • Uninsured/underinsured motorists


  • Hired auto
  • Extended cargo insurance for parcels being delivered
  • Non-ownership liability
  • Financed value coverage
  • General liability for airport limousines, limousine services, airport buses and luxury sedans

Northland Insurance Claims Process

Northland Insurance Claims

Northland’s team of claim professionals help manage the claims process. Their goal is to minimize the costs and help you get back on the road as quickly as possible.

  • You can report a claim anytime – 24/7.
  • Rapid response teams are dispatched to catastrophic crash sites to preserve evidence and start building a strategic defense early on.

A claim can be reported online through the Northland Group website. The comprehensive form allows you to provide all of the details associated with your claim, including the description of the loss, the policy number, location and more.

Policyholders who are involved in accidents or victims of theft can call the claim center at any time (24/7).

All claim professionals have hands-on, in-depth and specialized training to assist policyholders as best as possible.

Northland also has a forensic lab that can be used during the claim investigation process.

Special Investigations Group (SIG)

Northland’s SIG is a unique service offered by the insurer, and it’s available when you need it most.


  • Recovers millions of dollars’ worth of cargo each year.
  • Consults with customers on how to improve their services.
  • Has a sting trailer used to break up organized cargo-theft rings.
  • Investigators have backgrounds in law enforcement and have strong relationships with law enforcement agencies.
  • Has been recognized by law enforcement for its efforts in cargo theft.

Legal Services

Northland has one of the largest legal teams dedicated to the transportation industry in the U.S. Their legal services include:

  • Access to a legal team of more than 90 in-house litigation attorneys across 35 states.
  • A rapid response team that’s dispatched to catastrophic accident sites early on to gather evidence.
  • Use of expert witnesses when building defense strategies in accident cases.
  • Assessment of liability exposure and possible defenses.

Fleet Safety Programs

Northland understands the important role fleet safety programs play in risk management. They provide educational resources to policyholders to help them implement thorough, sound and effective fleet safety programs into their operations.

Northland Coverage Availability

Northland offers insurance coverage to fleet owners and owner operators in all 50 states. Agents in your local area can provide you with a quote.

An agent can also help you find the best coverage for your transportation business’s needs.

Northland doesn’t have fleet safety programs. This resource was just information about the benefits and how to make one.  

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