Connecting with Our Customers

How we do business.

NICO Channels of Distribution

National Indemnity Company (NICO) might be one of the largest insurance companies you’ve never heard of. Maybe it’s the way we’ve traditionally reached our customers. Our distribution model has long relied on general agencies to market and handle our business. Those partnerships—and the region-specific expertise they provide—continue to make National Indemnity Company one of the most successful property & casualty insurance companies in the marketplace.



General Agency Business – Wholesale

National Indemnity Company conducts business nationwide by relying on a network of more than 100 contracted general agents. Retail (or “producing”) agents strive to understand and address their customers’ needs, often relying on the markets provided by general agents to place such business. We contract with the general agents to manage business relationships with those local producing agents. This wholesale distribution arrangement allows us to easily market business across the country.


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National Indemnity group of insurance companies

National Indemnity Company
National Fire & Marine Insurance Company
National Indemnity Company of Mid-America
National Liability & Fire Insurance Company
National Indemnity Company of the South
Columbia Insurance Company