At NLC, our policyholder members are the owners. Company interests align with member interests in the form of profits returned to policyholders through competitive products & services offered at a fair predictable price.

Being member-owned enables NLC employees to prioritize customer service and satisfaction. Decisions are made to benefit policyholders rather than shareholders, leading to products & services delivered to consistently meet our customers’ needs.

Mutual Insurance Companies like NLC emphasize long-term financial stability over short-term gains, which leads to more financial strength, stability, and less volatility in pricing.

Like many Mutual Insurance Companies, NLC is rooted in our local communities, which fosters a commitment to local values and to support community initiatives & special causes.

NLC Insurance Companies takes a conservative long-term approach to investments, focused on maintaining a strong capital position, ensuring sufficient liquidity, and growing policyholder surplus over time. This helps ensure we are strong financially and positioned to pay claims for our policyholders when needed over the long term.

Without outside shareholders demanding high short-term returns, NLC, like other mutual insurance companies, takes a measured approach to growth, focusing on sustainable practices and the value we consistently deliver to our policyholders.

Policyholder owners demand greater transparency and accountability from companies like NLC, fostering a culture of high expectations & responsiveness across business operations.

NLC, like many other mutual insurance companies, takes a more strategic & collaborative approach to risk management, pooling resources and expertise to better assess and manage risks that could affect their policyholders.

NLC invests in educating our policyholders about risk management tools and insurance products, best practices, and promoting informed decisions that empower our policyholders to predict and prevent unexpected losses.