Does National Liability and Fire Insurance Company Still Sell Insurance?

UPDATED: Dec 31, 2012

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UPDATED: Dec 31, 2012Fact Checked

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Asked December 31, 2012

1 Answer


What is the answer?

National Liability & Fire Insurance is no longer selling insurance coverage under that name. Instead, the insurer was bought out by Berkshire Hathaway Inc. and its divisions either absorbed into other companies or transferred to a Berkshire Hathaway company named National Indemnity Insurance.

What was its financial rating?

National Liability & Fire Insurance is an unusual case, as the company was eventually absorbed into the parent co. which had owned it from the beginning. Because of that, the parent co. rating was always applied to National Liability & Fire Insurance. That rating, at the very top of financial ratings in the industry, is "A++ (Superior), with a long-term financial outlook of "aaa (stable)."

What coverage did the insurer sell?

National Liability and Fire Insurance Co., as the name implied was a specialty and commercial policy provider. National Liability and Fire Insurance Co. was a commercial insurer specializing in commercial vehicles, business insurance, and such specialty coverage as garage policies. Even though National Liability & Fire Insurance is no longer in existence, the policies it carried are still available through National Indemnity Co. and underwritten (with the same policy language and policy limits) by the same insurer that has backed those policies for decades: Berkshire Hathaway Inc., the owner of GEICO.

What happened to the insurer?

Since being absorbed by Berkshire Hathaway Inc., little of the history of National Liability & Fire Insurance is known today. However, this absorption was not a sudden event, as happens to many insurance companies. Instead, the acquisition took place more than 40 years ago, when a subsidiary of Berkshire, the National Indemnity Company, acquired a company known as the Home and Automobile Insurance Co. in 1971. This company was later renamed National Liability & Fire Insurance Company, and eventually became absorbed into the parent co.

Answered December 31, 2012 by Anonymous

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