Claims 24/7 · 1-800-874-3368
Personal auto · Workers’ comp · Business package

Insurance that holds its ground.

Three lines, written properly. Trident insures North Carolina drivers, the people who work for Oklahoma businesses, and the shops, farms and contractors that keep both running — through independent agents who can reach a real underwriter.

AM Best A− (Excellent) NAIC 41297 Claims answered 24/7

Appointed with 400+ independent agencies

NCCI AM BEST RATED BIG “I” MEMBER CARRIER NC DEPT. OF INSURANCE OK INSURANCE DEPT. NAIC 41297 PIA NATIONAL SURETY & FIDELITY ASSN.
Why Trident

The parts of an insurance company you only notice when they fail.

Underwriters who answer the phone

Every appointed agency gets a named underwriter and a direct number. Not a queue, not a shared inbox, not a portal message that gets a reply on Thursday.

Claims decided in days, not weeks

An adjuster is assigned within four business hours of a first notice of loss. Our median first payment on a personal auto physical damage claim is 4.2 days from report.

Loss control included, not upsold

Site surveys, ergonomic assessments and return-to-work planning come with every workers’ compensation policy. Preventing a claim is cheaper than paying one, so we do not charge for it.

The claims promise

The day you need us is the only day that counts.

24/7Claims reporting, every day of the year
4 hrsTo adjuster assignment after first notice
4.2 daysMedian first payment, auto physical damage
96%Policyholder claims satisfaction, 2025
Spotlight

What it looks like when it works.

Restaurant group · Tulsa, OK

A walk-in freezer failed on a Friday. They opened Saturday.

CPP spoilage and business income paid within nine days — and loss control had already flagged the compressor at the last survey.

Contractor · Wilmington, NC

Experience mod down from 1.18 to 0.91 in three years.

Quarterly site walks, a rebuilt toolbox-talk programme and nurse triage on every strain. Their premium followed their safety record.

Row crop & cattle · Grady County, OK

Hail took two centre pivots and a machine shed.

One adjuster, one claim number, one settlement across property, equipment and farm liability — because it was all one policy.

Questions

Frequently asked

Did not find what you needed? Our service team is on the phone Monday to Friday, 7am–8pm ET.

Can I buy a policy directly from Trident?
Personal auto can be quoted directly and issued through the agent of your choice. CPP and workers’ compensation are written exclusively through appointed independent agents, because both need a conversation about the risk before anyone quotes a price. Find an agent near you.
Which states is Trident licensed in?
Availability differs by product. Personal auto is filed in North Carolina, CPP in Oklahoma, and workers’ compensation across 24 states. See the full list, including the filed effective date for each programme.
Do I need to sign in to report a claim?
No. Report a claim online without an account, or call 1-800-874-3368 at any hour. You will need the policy number if you have it, but we can find the policy without it.
What is CPP, exactly?
One commercial policy instead of five. It combines real and business personal property, stock, crime, general liability, commercial auto, earthquake and a substantial large-commercial-farm section — one bill, one renewal date, one deductible structure and one adjuster when something goes wrong. See what it covers.
How does pay-as-you-go workers’ compensation work?
Premium is calculated from actual payroll each pay period rather than an estimate taken twelve months in advance. That means no large deposit, and no audit surprise at the end of the term because the numbers were never a guess.
My agent quoted a different price than the website. Which is right?
Your agent’s. Anything shown here is indicative. A bindable premium comes from the filed rate programme for your state and effective date, applied to the risk your agent actually submitted.
Is Trident financially strong enough to pay a large claim?
Trident holds an A− (Excellent) financial strength rating from AM Best and files statutory financial statements with every state in which it writes. See about Trident for surplus, reserves and reinsurance structure.
Already with Trident?

Pick your door.

Policyholders, agents and Trident staff each get their own place to work.

Policyholders

MyTrident

View your policy and documents, download ID cards, pay a bill, add a vehicle or driver, and follow a claim end to end.

Appointed agents

Agency Portal

Quote and bind new business, endorse mid-term, pull loss runs and commission statements, and check appetite before you market a risk.

Trident staff

Employee sign-in

Underwriting, policy administration, claims, billing and reporting. Requires a Trident account.