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North River Health Insurance Company

The North River Insurance company was founded in the early nineteenth century with corporate headquarters in Morristown, New Jersey. Specializing in fire and casualty insurances, North River is a wholly owned subsidiary of Crum & Forster which itself is part of the Fairfax Group, a global leader in risk insurance management. In this relationship with Fairfax Financial Holdings Limited, Crum & Forster is considered an “indirect subsidiary.”

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Contact information for North River and Crum & Forster is:

North River Insurance Company
305 Madison Avenue
PO Box 1973
Morristown, New Jersey 07962


Additional information may be obtained by e-mail request to: [email protected]

Crum & Forster Ratings

In 2011 Crum and Forster, were given an excellent, “A” rating by the leading credit analyst company A.M. Best. According to Best, their financial outlook is stable.

Besides North River, Crum & Forster combines the resources of six other commercial property and casualty insurance specialist companies. The full list includes three separate companies using the Crum & Forster trade name along with:

  • North River
  • US Fire Insurance
  • Seneca
  • Seneca Specialty Insurance Companies

This network provides services to business clients across the United States.

Crum & Forster Products

Crum & Forster began in 1896. They offer a wide variety of standard and non-standard or specialty commercial insurance programs. Their lines cover:

  • Liability
  • Property losses due to casualties
  • Workman’s compensation
  • Commercial transportation
  • Management personnel
  • Other professional and criminal liabilities in the workplace

Crum & Forster offers up to $100 million coverage on its commercial liability policies. They cover all areas of business operations including, but not limited to:

  • Damage from earthquakes and floods
  • Interruption of business
  • Legal action
  • Equipment malfunctions or breakdowns
  • Other forms of damage to business property

Crum & Forster insures all types of business properties, from manufacturing and industrial facilities, to nursing care facilities, malls, and retail stores.

Specialty programs through Crum & Forster’s United States Fire Insurance subsidiary include fire and inland marine coverage. This niche market protects such varied business assets as:

  • Contents of overland trucks and warehouses
  • Building and contracting equipment
  • Museums, galleries, art dealers, and auctions
  • Tunnels and bridge structures

Another Crum & Forster specialty is umbrella coverage. Umbrella-type insurance programs are designed to fill gaps in conventional coverage binding together one or more specific liability programs. Excess coverage, not available elsewhere, can also be part of an umbrella program.

Crum & Forster Customer Service and Loss Prevention

Crum & Forster believes in offering superior service to clients who file claims with their company. Their representatives are available 24/7, 365 days a year. Fairness and professionalism are the hallmarks of Crum & Forster policyholder service including a new on-line claim information system.

Crum & Forster manages its workman’s compensation claims with the highest level of professional attention to detail and prompt service. State of the art investigation and efficient management of medical services insure that each claim is handled in the most expeditious manner possible.

Crum & Forster maintains special partner-like relationships with their commercial clients to assist them in formulating effective loss prevention strategies. They offer a variety of loss prevention services in the form of specialized training and analysis. Company specialists study, review, and evaluate their client’s operations. Worker safety is paramount. Crum & Forster’s loss prevention efforts save commercial policyholders both time and money. These are strong incentives for following Crum & Forster’s loss prevention recommendations.

Crum & Forster Career Opportunities

Crum & Forster provides numerous employment opportunities for insurance professionals at their home office in Morristown, NJ. Career options span ten professional designations. Interested professionals may apply for positions as an actuary, accountant, or attorney. There are also positions in the HR department and the marketing, underwriting, and customer service areas.

Above average compensation and benefit plans are available for those professionals who are able to meet or exceed Crum & Forster goals and expectations. On the careers webpage there are links to applications and detailed explanations of compensation and benefit programs.

Crum & Forster News and Branch Information

In August 2011, Crum & Forster announced a new program to minimize a client’s liability exposure regarding incidents and losses due to computer hacking, identity theft and other cyber related risks.

Crum & Forster has twelve company offices across the US including their home base in Morristown features a menu, which lists underwriting and claims offices by state.

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