Founded
1940
Monthly Range
$900-2,800/mo
Coverage Types
5
Deductible
$1,000-5,000
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Our Review
National Indemnity Company is Berkshire Hathaway's flagship insurance subsidiary and one of the most financially stable insurers on the planet. While they're not exclusively a trucking insurer, their commercial auto division writes significant trucking business, and their financial backing means policyholders never have to worry about claims-paying ability. National Indemnity is the parent company of Great West Casualty, and while they operate independently, the Berkshire connection provides unmatched balance sheet strength. They're the right choice for operators who prioritize financial security and long-term stability above all else.
Pros
- Unmatched financial stability — backed by Berkshire Hathaway's balance sheet
- A++ (Superior) AM Best rating — the highest possible financial strength rating
- 85+ years of commercial insurance experience with deep reserves
- Claims will always be paid — no risk of carrier insolvency
- Conservative underwriting means stable pricing without dramatic year-to-year swings
Cons
- Not a trucking specialist — underwriting may lack industry-specific nuance
- Premium pricing reflects their conservative underwriting approach
- Limited direct presence — most business written through agents and brokers
- Technology and digital tools are minimal compared to modern competitors
Our Verdict
National Indemnity is the Fort Knox of trucking insurance. You won't find the cheapest premiums or the flashiest technology, but you'll find something more valuable: absolute certainty that your claims will be paid. For trucking operators who've been burned by financially shaky carriers that disputed claims or went insolvent, National Indemnity's Berkshire Hathaway backing provides irreplaceable peace of mind. Their conservative approach also means pricing stability — you won't see the roller-coaster rate swings that plague carriers who aggressively price for market share. If reliability and financial strength are your top priorities, National Indemnity belongs on your short list.
Pricing & Premiums
Monthly Premium
$900-2,800/mo
Deductible Range
$1,000-5,000
National Indemnity's pricing reflects their conservative underwriting philosophy — they price for long-term profitability rather than market share. This means you won't see the cheapest quotes, but you also won't face dramatic rate increases at renewal like you might with carriers that underpriced to win your business. Their stability is the value proposition. Multi-year accounts with clean loss history receive preferential pricing. Payment terms are straightforward with monthly, quarterly, and annual options.
Coverage Types Available
- Primary Liability
- Physical Damage
- Cargo
- Excess Liability
- General Liability
Coverage Options
- Primary Liability
- Physical Damage
- Cargo
- Excess Liability
- General Liability
Feature Comparison
| 24/7 Claims | |
| In-House Claims | |
| Risk Management | |
| Safety Programs | |
| Online Portal | |
| Mobile App | |
| Flexible Payment | |
| Multi-Truck Discount |