National Liability & Fire Insurance Company is an Omaha insurer in the National Indemnity group of Berkshire Hathaway (National Indemnity). Missouri regulators list it under NAIC number 20052, with commercial auto liability among its lines (Missouri DOI). For an injury claim against a vehicle it insures, use National Indemnity’s 24/7 claims line, 800-356-5750 (National Indemnity claims). Beverly Law does not work for or with National Liability & Fire.
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Who is National Liability & Fire Insurance Company?
The Missouri Department of Insurance lists National Liability & Fire at 1314 Douglas Street in Omaha, the same address it gives for National Indemnity Company. Its market share report lists lines that include commercial auto liability for bodily injury and property damage, commercial auto medical payments and uninsured motorist coverage, inland marine and auto cargo, and general liability.
National Indemnity’s states-of-operation page lists National Liability & Fire as a separate company and shows it licensed in every state and the District of Columbia, including California, Texas and Washington (states of operation). For background on the parent company, see our National Indemnity Company page.
Why does GEICO come up with this company?
National Indemnity says it began working with GEICO in 2007 so GEICO customers could buy commercial auto insurance, with policies placed with members of the National Indemnity group through GEICO Insurance Agency (NICO and GEICO). So a contractor’s truck or a delivery van with a GEICO-branded commercial card may be insured by a National Indemnity group company. The declarations page names which one.
National Indemnity’s GEICO page lists (866) 920-5459 for claims reporting on those policies. If the card or paperwork says GEICO, start there. If it names National Liability & Fire or National Indemnity directly, use 800-356-5750.
How do I confirm which insurer covers the vehicle?
Insurance names get mixed up after a crash, especially when several related companies share one address and one claims line. Three ways to confirm:
- The exchange form or police report. Officers usually record the insurer and policy number.
- The carrier’s federal record. For a truck with a USDOT number, SAFER shows the company, and the Licensing and Insurance search shows insurance filed by interstate for-hire carriers.
- A written request. Ask the adjuster to confirm in writing the insurer’s legal name and the policy limits.
Getting the legal name right matters later, because a lawsuit, a demand letter or a lien notice sent to the wrong company can cost time.
How much coverage might there be?
It depends on the vehicle. Most interstate for-hire freight trucks of 10,001 pounds or more must carry at least $750,000 in liability coverage (49 CFR 387.9). A local business vehicle may carry far less; California’s minimum is $30,000 per person and $60,000 per accident for injury (DMV). Ask for every policy that may apply, including excess coverage.
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What evidence should be saved?
For trucks, a carrier must keep inspection and maintenance records for one year and for six months after the vehicle leaves its control (49 CFR 396.3). After a crash with a death, or one where the driver is cited and someone is taken for treatment or a vehicle is towed, the carrier generally must have the driver tested for alcohol and drugs (49 CFR 382.303). Ask in writing that the carrier keep those records, the test results, video and GPS data.
What claim rules apply in California, Texas and Washington?
California insurers generally must answer a claimant’s communications within 15 calendar days (10 CCR 2695.5) and decide within 40 calendar days of proof of claim, explaining delays every 30 days (10 CCR 2695.7). Washington generally requires acknowledgment within 10 business days (WAC 284-30-360). For Texas, the Department of Insurance recommends asking for the reason for any refusal in detail and in writing (TDI). Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou.
What to do now
- Get medical care and keep copies of everything.
- Check the exact insurer name on the report or card.
- Call 800-356-5750, or (866) 920-5459 if the policy came through GEICO.
- Ask the adjuster to confirm the insurer and limits in writing.
- Send a preservation letter for records, video and GPS data.
- Keep a log of calls, costs and missed work.
- Talk to a lawyer before giving a recorded statement or signing.
Questions about a National Liability & Fire claim
We review injury claims for free, in English or Spanish, at (310) 552-6959. You owe no fees or costs unless we win. See all our truck insurance claims guides.
Common questions
What is the claims phone number for National Liability & Fire?
National Indemnity’s claims page lists 800-356-5750 as its 24/7 claims line. For policies placed through GEICO, National Indemnity lists (866) 920-5459.
Is National Liability & Fire part of Berkshire Hathaway?
It is listed on the site of National Indemnity, which says it belongs to the Berkshire Hathaway group of insurance companies (National Indemnity).
Is it the same company as National Indemnity?
No. It is a separate insurer with its own NAIC number, 20052, in the same group.
How long do I have to sue?
Generally two years in California (California Courts) and Texas (Tex. Civ. Prac. & Rem. Code 16.003), and three years in Washington (RCW 4.16.080). Claims involving public agencies often have shorter notice deadlines.
Does a GEICO card mean GEICO pays?
Not necessarily. For commercial policies sold through GEICO, the insurer may be a National Indemnity group company. The declarations page shows which.
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Related pages
Truck Insurance Claims · Truck insurance claims · National Indemnity Company claims · Berkshire Hathaway Homestate Companies claims · How long does a truck accident lawsuit take? · Law Blog
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Sources
- Missouri Department of Insurance, National Liability & Fire Insurance Company record
- Missouri Department of Insurance, National Indemnity Company record
- National Indemnity Company, States of Operation
- National Indemnity Company, Claims
- National Indemnity Company, NICO and GEICO
- National Indemnity Company, About Us
- 49 CFR 387.9
- 49 CFR 382.303
- 49 CFR 396.3
- FMCSA, SAFER Company Snapshot
- FMCSA, Licensing and Insurance public search
- California DMV, Insurance requirements
- Cal. Code of Regulations, title 10, section 2695.5
- Cal. Code of Regulations, title 10, section 2695.7
- WAC 284-30-360
- Texas Department of Insurance, Accident not your fault?
- California Courts Self-Help, Statute of limitations
- Tex. Civ. Prac. & Rem. Code chapter 16 (16.003)
- RCW 4.16.080
Important: This page is general information, not legal advice, and reading it does not create an attorney-client relationship with Beverly Law. Laws change and every case is different; talk to a lawyer about your own situation. Attorney advertising. Prior results do not guarantee a similar outcome. You owe no fees or costs unless we win. Texas cases are handled by the firm’s Texas-licensed attorneys, Joyce Ondich and John Efstathiou. Last reviewed: 2026-11-12.