National Fire and Indemnity Exchange(Missouri); Overview, Contacts, Claims, Services, and Benefits

National Fire and Indemnity Exchange (NIE) is an insurance exchange that provides specialized insurance coverage for dry cleaners and laundromats.

National Fire and Indemnity Exchange

Founded in 1947, NIE is an admitted carrier in 33 states and holds an A- (Excellent) rating from A.M. Best, a leading credit rating agency for the insurance industry.

History of National Fire and Indemnity Exchange

NIE was established in 1947 by a group of dry cleaners who recognized the need for tailored insurance solutions for their industry.

The company initially focused on providing fire and property insurance, but it has since expanded its offerings to include general liability, crime, and umbrella coverage.

Mission and Values

NIE’s mission is to provide comprehensive and affordable insurance coverage to dry cleaners and laundromats, helping them protect their businesses from a wide range of risks. The company’s core values are:

How to Reach National Fire and Indemnity Exchange

Contact Method Details
Phone Customer Service Phone Number: 1-800-325-9522
Availability: Monday through Friday, 8:00 AM to 5:00 PM Central Time
Mail National Fire and Indemnity Exchange
6030 Bancroft Avenue
St. Louis, MO 63109
Online Website: NIE Insurance
Services: Request a quote, file a claim, or contact customer service

What Does National Fire and Indemnity Exchange Do?

NIE has many insurance products for dry cleaners and laundromats. These include:

1. Property Insurance:

  • This insurance covers your building, business property, and equipment from damage caused by things like fire, theft, and vandalism.

2. Liability Insurance:

3. Crime Insurance:

4. Umbrella Insurance:

5. Business Income Insurance:

  • This insurance pays you for lost income if your business has to close because of a covered loss.

6. Equipment Breakdown Insurance:

NIE also helps prevent losses with:

1. Loss Prevention Guides:

  • Guides that show how to prevent common losses, like fire, theft, and accidents.

2. Safety Training:

  • Courses on safety topics like fire safety, handling hazardous materials, and avoiding bloodborne pathogens.

3. Inspections:

  • On-site inspections to find and fix potential hazards.

National Fire and Indemnity Exchange

Filing a Claim with the National Fire and Indemnity Exchange (NIE)

1. Report the Claim:

2. Gather Documentation:

  • Collect papers about the claim, such as receipts, invoices, estimates, and police reports.
  • Take pictures or videos of the damage or loss.
  • Get written statements from people who saw what happened.

3. Submit the Claim:

  • Fill out and send in the NIE claim form. You can find it online or ask your NIE agent for a copy.
  • Attach all the papers you collected to the claim form.

4. NIE Review:

5. Investigation:

6. Claim Settlement:

  • If NIE says yes to your claim, they’ll send you a check for the amount they agree to pay.
  • If they say no, they will explain why in writing.

Cancellations and Renewals of Policies with National Fire and Indemnity Exchange (NIE)


Policyholders can cancel their NIE policies by telling the NIE in writing at least 30 days before they want to stop. NIE might also cancel your policy if you don’t pay or if there’s a problem like fraud.

If NIE cancels, they will tell you in writing and give back any money you didn’t use.


NIE will send a renewal notice about 60 days before your policy ends. To keep your coverage, pay the renewal money and send back the notice to NIE. If you don’t do this, your policy will end, and you won’t have NIE insurance anymore.

National Fire and Indemnity Exchange


NIE gets an A- (Excellent) rating from A.M. Best, a top credit rating agency for insurance. This rating shows NIE is financially strong and can meet its promises to policyholders.

Customers like NIE too. On Google, they get 4.3 out of 5 stars from over 1,000 reviews. People praise NIE for good prices, helpful service, and fast claims processing.

Customer Reviews

  • “NIE has been great. They’re always quick and helpful when I ask about my policy.” – John S.
  • “I’m happy with NIE. They’re fair and honest with my claims.” – Jane B.
  • “NIE understands our industry and gives good rates. They’re great for dry cleaners and laundromats.” – David M.

Not every review is perfect. Some people don’t like high prices or slow claims. Overall, most people think NIE is a trustworthy insurance company.

Benefits of Joining NIE as a Client

Benefits of Joining NIE as an Employee

  • Competitive compensation and benefits package.
  • Opportunities for professional growth and development.
  • A positive and supportive work environment.
  • The chance to make a real difference in the lives of NIE’s policyholders.
  • A commitment to diversity, equity, and inclusion.


1. Question: How can I contact NIE to file a claim?

2. Question: What types of insurance does NIE offer for dry cleaners and laundromats?

  • Answer: NIE provides property, liability, crime, umbrella, business income, and equipment breakdown insurance tailored for these businesses.

3. Question: How can I cancel my NIE policy?

  • Answer: Notify NIE in writing at least 30 days before your desired cancellation date.

4. Question: When does NIE send out renewal notices for policies?

  • Answer: NIE sends renewal notices approximately 60 days before your policy expires.

5. Question: What is NIE’s rating from A.M. Best and why is it significant?

  • Answer: NIE has an A- (Excellent) rating, indicating a strong financial position and reliability in meeting policyholder obligations, as assessed by a leading credit rating agency in the insurance industry.
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