Trucking insurance division of Travelers serving owner-operators and fleets since 1948, with auto liability, physical damage, cargo, general liability, risk control and 24/7 claims.
Services
Who it serves
Overview
Northland Insurance is the trucking insurance division of Travelers, one of the largest commercial insurers in the United States. It is an insurance carrier (underwriter), not an agency. Northland has written trucking coverage since 1948 and serves customers ranging from single-truck owner-operators to large fleets.
Travelers' own truck insurance page now redirects to the Northland site, which shows how central Northland is to Travelers' trucking business. Northland pairs its policies with risk control services, telematics programs, a special investigations group focused on cargo theft, and a legal services team dedicated to transportation.
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Services
Northland's product pages list commercial auto liability, physical damage (collision and comprehensive), motor truck cargo, general liability for truckers, and roadside assistance and towing. Its cargo page says it can cover a range of commodity types and values, including high-value and specialized freight.
A Deluxe Coverage option bundles several extras into one policy: downtime coverage, a diminishing deductible for physical damage, an aggregate deductible, rental reimbursement and personal effects coverage.
On the risk side, Northland offers Risk Control Services staffed by trucking risk management specialists, a telematics program that shares real-time driving data (eligibility applies), and resources on accident management, driver management, safe driving, safety management, cargo management and driver health. It also partners with Trucker Path on tools aimed at small fleets and owner-operators, and runs the Northland Innovation Network for Transportation, a curated set of vendors and resources.
Claims are supported 24/7/365. The Special Investigations Group handles theft prevention and recovery investigations, which is useful given how common cargo theft has become.
Who it is for
Northland's site has separate tracks for owner-operator insurance and commercial fleet insurance. Owner-operators running their own authority can find the core coverages they need, while fleets get access to risk control, telematics and legal support. The Trucker Path tools are specifically aimed at small fleets and owner-operators.
Northland is a carrier for motor carriers that run trucks. Freight brokers looking for contingent cargo, contingent auto or a BMC-84 bond would typically need a specialist broker program instead.
How working with them works
Northland does not sell directly online. Its site directs buyers to find a Northland general agent, and its about page says it works with dedicated transportation agents across the country. Agents have a separate portal with products and services.
Availability of coverages depends on underwriting qualifications and state regulations, and discounts vary by state and individual risk. In Texas, insurance is provided by Consumers County Mutual Insurance Company and administered by Northland. Pricing is not published. Policyholder resources, claim reporting and risk control materials are available on the site.
Questions to ask before you sign
Ask your agent to spell out each coverage: auto liability limit, physical damage values and deductibles, motor truck cargo limit and deductible, and general liability. Ask whether the Deluxe Coverage package is included and what each part pays, such as how downtime is calculated.
Request the cargo form and exclusions. Pay attention to theft conditions, unattended vehicle rules, reefer breakdown, and any commodity or value limits. If you haul high-value loads, ask how they are scheduled and whether security requirements apply.
If you are leased to another carrier, ask whether non-trucking liability (bobtail) is available, since Northland's owner-operator page focuses on liability, physical damage, cargo and general liability.
Confirm that Northland or Travelers will file your federal proof of liability (BMC-91X) and any state filings, and how long that takes. If you also hold broker authority, you will need a BMC-84 bond and contingent coverage from another provider.
Check the current AM Best rating yourself on the AM Best site. Ask how claims are assigned, whether the Special Investigations Group gets involved in theft claims, and what telematics data sharing involves and how it is used.
Company background
Northland was founded in 1948 in St. Paul, Minnesota, by the Hamm Brewing family, originally to insure physical damage on its delivery trucks. It expanded nationwide in the mid-1950s alongside the growth of the interstate highway system, and began writing liability and cargo coverage in 1964.
The company was sold in 1998, its first time under a publicly held parent, and in the 2000s that parent became part of Travelers. Northland now operates as a Travelers division, and its site carries The Travelers Indemnity Company copyright. Its about page says it is celebrating 75 years of serving trucking.
Sources
Information compiled from public sources. Last verified November 2026. Confirm details directly with the company.
