Northland Insurance, a division of Travelers, is a premier, specialized carrier focusing exclusively on the transportation industry. Known for being one of the longest-standing, A++ rated (A.M. Best) carriers in the industry, Northland offers tailored coverage for diverse trucking operations, ranging from individual owner-operators to large fleets.
Northland Insurance Trucking Appetite Guide
Northland’s appetite focuses on commercial trucking risks with a strong emphasis on safety and experience. They are known for insuring a wide variety of trucks and trailers.
Targeted Vehicle Types:
- Long-Haul & Regional: Trucking operations specializing in varied goods.
- Specialty Hauling: Experienced with specialized and high-value freight.
- Owner-Operators & Fleets: Tailored products for individual operators and larger fleet businesses.
- Public Auto: Limousine and shuttle services.
- Business Auto: Commercial vehicles for contractors, landscapers, and retail delivery.
Appetite Exclusions/Limitations:
- Under 2 Years Experience: While they may consider new ventures, they prefer companies with at least two years in business.
- Bulk Haulers: While they can cover them, this is not considered a primary or preferred class.
Key Coverages Offered:
- Auto Liability: Covers bodily injury and property damage, including FMCSA/state filings.
- Motor Truck Cargo: Known for having one of the broadest cargo forms, including livestock, temperature protection, and high-value cargo.
- Physical Damage: Comprehensive and collision coverage.
- General Liability: Coverage for business risks, often enhanced by the “Northland XTEND” endorsement.
Ideal Customer Profile
The ideal Northland insured is an established, safety-conscious transportation business.
- Experience Level: At least 2+ years of operation is preferred.
- Safety Culture: Companies that demonstrate a strong culture of safety, evidenced by good CSA scores, low accident rates, and formal driver training/screening.
- Compliance-Focused: Operators who maintain, or are willing to implement, high standards for driver hiring (e.g., PSP reports, MVR checks).
- Technology Adopters: Insureds that utilize, or are open to utilizing, telematics and dashcams to monitor and improve driving behavior.
Key Differentiators
- In-House Claims: They handle claims internally, reducing reliance on third-party adjusters.
- Tailored Services: Specialized services include a “Cargo Theft Recovery” unit, legal assistance, and a “Northland Innovation Network” for risk management resources.
- Safety Resources: Proactive resources such as the “Fleet Safety Guide” and driver safety podcasts.
- Telematics Integration: Offer premium discounts or device subsidies for utilizing telematics to promote safe driving.