We don't have customers. We have members.

Be a Member

When you buy insurance from us, you become a part of something bigger. You’re a member-owner, joining more than 50,000 Virginia households in a century-old tradition of neighbors joining forces to do more together than we could do individually.

We think that our mutual business model elevates us above other insurance companies. Our company is owned and operated for the benefit of our members. Everyone in the Northern Neck family has a need for the products and services we provide. Our motivation is practical benefit for our fellow Virginians, not financial gain.

Community is in our DNA.


We're right here, and ready to help.

We've had the same purpose for 125 years: to help Virginians protect their financial futures by insuring their homes and most valuable possessions. That's what being a mutual company means — people coming together to create a benefit for all.   



Our Core Values

Values of NNINSValue People and Relationships

We value our employees - our greatest asset. We’re committed to their growth and professional development. We rely on our employees and partners to build trusting and rewarding experiences for our members.

Accountability, Integrity and Honesty

We achieve our objectives by adhering to the highest ethical standards and being individually accountable for results.

Life-Work Balance

We strive for an appropriate balance between work and life to allow each of us to reach our full potential.

Understand the Importance of Community

We demonstrate individual and corporate social responsibility through generosity and community service.

Extraordinary Service

Our #1 priority is our member.  We treat every member as if they were our only member, every partner as if they were our only source of revenue and support, and every co-worker as if they were our only resource for help.

Sound Financial Strength

Our strong risk management practices provide long-term stable and profitable results; assuring we’ll be here when our members need us.



Our Story | Our People | Careers