National Liability & Fire Insurance Company, Connecticut: Overview, Contacts, Services, Finances, Coverage, Claims, Compliance, Renewal & Cancellations, Reviews

Empowering Peace of Mind: National Liability & Fire Insurance Company.

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National Liability & Fire Insurance Company – Your Trusted Shield in an Uncertain World.

Are you seeking a dependable and budget-friendly insurance provider in Connecticut?

If you are, consider National Liability & Fire Insurance Company (NL&F), a subsidiary of Berkshire Hathaway, a globally respected and successful company.

This blog post examines NL&F’s history, services, products, finances, coverage details, claims, legal and compliance aspects, renewals and cancellations, company culture, and customer experiences.

It aims to assist you in making an informed decision about selecting NL&F as your insurance partner.

Company Overview

Founded in 1972 and based in Stamford, Connecticut, NL&F is a national property and casualty insurer specializing in workers’ compensation coverage. A.M.

Best Company rates it as A++ “Superior,” and it is part of Warren Buffett’s Berkshire Hathaway group.

With John J. Byrne as the CEO, boasting over 30 years of insurance industry experience, NL&F holds a market share of approximately 0.02% in the US property and casualty insurance market.

With assets exceeding $1.6 billion and liabilities surpassing $1.1 billion as of 2020.

Contact Information

Phone Number (203) 323-3776
Address 100 First Stamford Place, Stamford, CT 06902-6745
Customer Service Contact 1-844-861-1199 or
Policy Details Vary by type and state of insurance
Email Address
Fax Number (203) 975-5999
Operating Hours Monday to Friday, 8:00 AM to 5:00 PM EST

Services & Products

NL&F offers diverse insurance products, including:

Special packages and bundled services are available, with discounts for combining auto and home insurance.

International coverage and temporary policies cater to the needs of travelers, students, and renters.

Financial Details

NL&F prioritizes affordability and competitive rates.

Premium costs depend on factors like coverage type, deductible, location, age, driving record, credit score, and claims history.

Customers can obtain a free quote online or by calling customer service.

Flexible payment options include monthly, quarterly, semi-annual, or annual payments, with various methods such as check, credit card, debit card, electronic funds transfer, or direct draft.

Discounts and promotional offers include:

  • Multi-policy discount
  • Safe driver discount
  • Good student discount
  • Loyalty discount
  • Military discount

These incentives aim to help customers save money and receive added value from NL&F.

Coverage Details

NL&F provides its customers with comprehensive and tailored coverage options.

Customers can select the type and amount of coverage that aligns with their needs and preferences.

However, customers should also be mindful of policy exclusions, coverage limits, and any additional features or riders that may be applicable to their policies.

Policy exclusions denote situations or events not covered by the policy.

For instance, common exclusions in auto insurance include damage from wear and tear, mechanical breakdowns, or illegal activities like racing or stunt driving.

Other exclusions involve damage caused by war, terrorism, nuclear hazards, or environmental pollution.

Coverage limits represent the maximum amount the policy will pay for a claim.

In home insurance, common coverage limits include the dwelling coverage limit, which pays to rebuild or repair the home, and the personal property coverage limit, which covers personal belongings.

Additionally, liability coverage limit handles legal expenses and damages, often expressed as a fixed amount like $100,000 or $300,000.

Add-ons or riders are extra features or benefits enhancing coverage.

Examples in life insurance include the accidental death benefit, providing extra payout for accidental death, and the disability income rider, offering monthly income if the policyholder becomes disabled.


NL&F aims for a prompt and straightforward claims process.

Customers can report claims online, by phone, email, or mail, and track the status through the website or by contacting their claim representative.

Required documents for claims vary based on the type and severity of the loss.

Common documents include a copy of the policy, a proof of loss form, police or fire reports, lists of damaged items, photos or videos of damage, and receipts or invoices for repairs.

NL&F endeavors to settle most claims within 30 days of receiving necessary documents.

Legal & Compliance

NL&F is dedicated to adhering to all relevant laws and regulations in the states where it operates.

It is licensed and regulated by the Connecticut Insurance Department, overseeing the state’s insurance industry.

Customers can reach out to the department for inquiries or complaints about NL&F or any other insurance company in Connecticut.

NL&F prioritizes the privacy and security of customer information, as outlined in its privacy policy.

This policy explains how customer information is collected, used, shared, and protected.

Customers can review the privacy policy online or request a copy by mail.

Opt-out options for certain information sharing practices are available by contacting NL&F.

Terms and conditions govern the use of NL&F’s website and online services.

Customers can review these terms online or request a copy by mail, emphasizing the importance of understanding them before using the website or online services.

Renewals & Cancellations

NL&F aims to keep its customers satisfied and loyal by offering a straightforward policy renewal process.

Customers can easily renew their policy online, by phone, via email, or through mail.

The renewal process allows customers to make changes to their coverage options or payment methods.

Before the policy expires, customers receive a renewal notice along with a new policy declaration page.

However, customers have the right to cancel their policy at any time and for any reason.

Cancellation can be done online, by phone, via email, or through mail.

Customers need to provide their policy number, the effective cancellation date, and the reason for cancellation.

Additionally, customers may be required to sign a cancellation request form and return their policy documents.

NL&F does not impose cancellation fees or penalties.

Nevertheless, depending on the timing and method of cancellation, customers may not receive a full refund of their unused premium.

A short-rate or pro-rata calculation may apply, meaning customers receive a portion of their unused premium based on the number of days the policy covered them.

For more details on the cancellation policy and refund process, customers are encouraged to contact NL&F.

NL&F also extends a grace period for customers who miss a payment due date.

This grace period, usually lasting 10 to 31 days, allows customers to pay their premium after the due date without losing coverage or incurring late fees.

Further information on the grace period and payment options is available by contacting NL&F.

Company Culture

National Liability & Fire Insurance Company is not just an insurance company; it makes a good place for people to work and learn.

NL&F values honesty, quality, new ideas, working together, and helping customers. NL&F thinks its workers are very important.

The company helps its workers to grow and be happy, giving them good pay and benefits like health care, retirement plans, time off, money for education, and discounts.

The company also gives its workers many chances to learn, such as online classes, workshops, seminars, and mentors.

NL&F wants its workers to join in social and good causes, such as helping others, raising money, and serving the community.

The company always looks for skilled people, and welcomes people from different backgrounds, cultures, experiences, and views.

Customer Experiences

NL&F prioritizes customer satisfaction by delivering high-quality products, services, and excellent customer support.

Actively listening to customer feedback, NL&F utilizes it to enhance performance and offerings.

The company rewards customer loyalty and referrals with various perks and incentives.


  • Q: How can I get a quote from NL&F?

A: You can get a free quote from NL&F online, by phone, by email, or by visiting a local agent.

You will need to provide some basic information, such as your name, address, phone number, email address, and the type and amount of coverage you want.


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