A carrier built to answer the phone.
Trident Insurance Company writes three lines — personal auto, workers’ compensation and the CPP business package — through independent agents who can reach a real underwriter. We chose three products instead of thirty so that every one of them gets proper attention.
Three lines, one underwriting desk, one renewal date.
Trident was chartered in 1987 in Wilmington, North Carolina, to write personal auto for coastal drivers that larger carriers were pulling back from after a string of hurricane seasons. The decision that shaped everything since was to stay small enough that an underwriter could still know the agents who sent us business.
CPP, our business package, followed in the 1990s once it was clear that Main Street retailers, farms and contractors needed one policy instead of five. Workers’ compensation came next, built on NCCI class-based rating so it could expand state by state without reinventing the rate structure each time.
We are still headquartered at 1 Harbour Point in Wilmington. The underwriting desk, the claims team and the actuarial staff who build our rates all sit in the same building.
Strong enough to pay a large claim, and rated to say so.
Trident holds an A− (Excellent) financial strength rating from AM Best and files statutory financial statements with every state in which it writes.
Reinsurance is placed annually through a panel of A-rated global reinsurers on an excess-of-loss basis, retaining the first $2 million of any single occurrence net. Catastrophe coverage for the North Carolina auto book and the Oklahoma CPP farm and property section is placed separately, sized to a 1-in-250-year modeled event.
What thirty-nine years and three lines look like today.
We do not sell directly, except where it matters to.
Personal auto can be quoted on this site, but every policy is still 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.
-
An agent submits the risk
Application, loss runs and any supplemental questionnaires go straight to an underwriter, not a queue.
-
A named underwriter reviews it
The same person who quotes the account also has the authority to bind it, inside their granted limits.
-
The agent binds and services the policy
Endorsements, audits and renewals all run through the agency relationship, not a Trident call center.
Where we write is where we show up.
Coastal Resilience Grants
Annual grants to North Carolina coastal towns for storm-water and wind-mitigation projects, awarded with the NC Department of Insurance.
Volunteer days
Every employee gets two paid days a year to volunteer with a registered charity of their choice, in Wilmington or in Oklahoma.
Financial literacy in schools
Underwriters and claims staff teach a short insurance-basics unit in high school economics classes across our licensed states.