TrueNorth for Individuals & Families

From home to health to highway

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As an independent firm, we answer only to our clients

Offering guidance rooted in honesty, humility, and reliability. Whether protecting your home, securing your future, or planning for the unexpected, we provide strategic, unwavering direction, ensuring your assets, resources, and opportunities are always working for you.

TrueNorth for Individuals & Families

From home to health to highway

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TrueChoices

Health insurance for you and your family.

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Affordable, competitive and stable coverage.

Securing health insurance as an independent contractor shouldn't be complicated or expensive. With TrueChoices it's simple and flexible — giving you peace of mind.

800-877-9637
TrueNorth for Individuals & Families

From home to health to highway

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… our specialized approach spans the breadth of the transportation industry.

By leveraging our deep industry expertise and innovative tools, we help transportation companies navigate regulatory complexities, enhance operational efficiency and achieve sustainable growth.

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Transportation enterprises face challenges ranging from legal compliance and risk transfer strategies to driver safety and technological administration. TrueNorth's Enterprise Solutions are crafted to address these multifaceted issues, offering a cohesive risk management strategy that goes beyond traditional insurance. 



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TrueNorth delivers specialized risk management for electric utility contractors, addressing unique exposures from transmission lines to substations. Our deep understanding of NESC code and utility-specific safety protocols can lead to significant mitigation of electrical hazards.

You’ll gain a competitive edge with risk solutions built to energize your business and maximize your bottom line.

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TrueNorth delivers specialized risk management for electric utility contractors, addressing unique exposures from transmission lines to substations. Our deep understanding of NESC code and utility-specific safety protocols can lead to significant mitigation of electrical hazards.

You’ll gain a competitive edge with risk solutions built to energize your business and maximize your bottom line.

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Property & Casualty Insurance

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Safeguarding Your Business

Comprehensive coverage for assets, operations, and liability

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Preparation is key to promoting a safe work culture, contributing to the overall well-being of your business. Support your workforce in achieving mental and physical well-being, financial security and peace of mind, by providing access to the tools and resources they need to make sound decisions.

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”TrueNorth has gone above and beyond to deliver strategic and innovative solutions that transform our approach to health and benefits planning. They’re a broker-partner that provides options that align with the needs of our business and, more importantly, meet the needs of our valued employees.”

Ron DeBord

Chief Human Resources Officer, Owen Industries

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"A company like TrueNorth is what drivers need to keep America running."

Robert Smith

Truck Driver

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"I don't ever worry about insurance because of the care and attention TrueNorth gives to our company."

Chad Pelley

P.E., Development Operations, Twenty40 Building Concepts

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"TrueNorth saves me headaches because I don’t have to wait for quotes or answers to questions about our health and dental or property & casualty insurance. They’ve smoothed the transition for us from one carrier to another. I like their professionalism and responsiveness. Even beyond being responsive, they are proactive. TrueNorth knows you never get a second chance to make a good first impression.

Rita Jelinek

Executive Vice President, Owner, Midwest Metal Products

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"TrueNorth's Employee Benefits team has consistently helped us lower our spend and educate our employees, acting as advocates for them as well, always ready to address personal, one-on-one benefits questions."

Pam Beckner

Human Resources Benefits Administrator, GreenState Credit Union

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"Recently our estate planning company asked us to allow their insurance division to review our insurance packages. They could not find anything better than what we have with TrueNorth."

Michelle McCullough

Personal Lines Client

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"We have relied on the personal lines team at TrueNorth for three generations, and they have always worked tirelessly to bring us confidence and peace of mind."

Scott and Julie Gasway

Personal Lines Clients

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"It's critical to find an insurance partner that understands the industry well enough to help us strike a balance between sufficient and excessive coverage. It's just another area where we feel TrueNorth brings value."

Charlie Fisher

President, Ken-Way Excavating

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"Lane and his team have proven to be indispensable partners throughout the process. They continue to be proactive in pursuing opportunities that will strategically improve our risk management profile going forward."

Boyd Brodie

General Manager, Key Cooperative

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"TrueNorth has been outstanding to work with during our transition. Lane and team work hard to understand our business, our risk and how to effectively cover our needs."

Rob Jacobs

CEO, Cooperative Farmers Elevator

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Team Huddle - Town Hall 2025

"It's the people and the culture combined that make you want to come to work and feel good about what you do."

Terrence

Technology Team

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Transportation Team

"The insurance, I always say, is a byproduct of what we do. Everything here is driven by building and fostering relationships."

Renee

Transportation Team

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Benefits Team Collaboration

"TrueNorth breeds a culture that attracts some of the most bright and fun colleagues I've ever had the opportunity to work with."

Rachel

Benefits & Financial Strategies Team

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Construction Team Member

"We care about making a lasting impact. The culture here is so down-to-earth, so welcoming, friendly and family-oriented."

Koleen

Construction Team

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"I appreciate TrueNorth's passion and drive, going above and beyond to deliver strategic and innovative solutions that transform our approach to health and benefits planning, thus reducing costs without sacrificing quality."

Ron DeBord

Chief HR Officer, Owen Industries

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"My overall experience with TrueNorth has been fantastic. I've been able to save over $1,400 in a year. Not only did I get my truck insured, but I also got health insurance, dental and vision included. The coverage is great, and the people at TrueNorth are genuinely nice."

Gregory Antoine

Independent Contractor

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"We have worked with other brokers in the past but have never experienced the kind of relationship we have with TrueNorth; they are like an actual extension of our own company and deliver world class customer service each day."

Troy Douglas

Human Resources Director, Duncan and Son Lines

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"TrueNorth showed us how to think about and manage risk in a different way. They continue to build trust by delivering upon their commitments, and we expect to have them as part of the J&M operations for a long time to come"

Harold Sumerfold

Jr. CEO, J&M Tank Lines

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"Whether it's day-to-day service, a unique request or a special project, since becoming a client in 2001 we’ve appreciated TrueNorth’s positive energy and commitment to excellence."

Alison Heim

Director of Finance, Schneider National

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"TrueNorth has been critical as we’ve increased our Final Mile footprint and expanded our IC platform. From program structure to administrative tools and third-party training applications, they always have the management of our risks in their sights."

Eric McConnell

VP of Risk Management, J.B. Hunt Transport Inc.

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"TrueNorth is the easiest insurance brokerage company I have ever dealt with. They provided so much care and comfort when my wife was diagnosed with cancer, they literally walked me through the claims process. The financial support this policy provided was an enormous weight off my shoulders."

Michael Lemon

Independent Contractor

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"As an owner-operator, I know I can rely on TrueNorth to meet my needs, whether it be in truck insurance or personal insurance. I would definitely recommend them to do business with."

Neal Cook

IA Client

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"TrueNorth has been an excellent resource for my entire family. No one in the industry works as hard to answer in real time and do it as effectively as TrueNorth."

Myke Rockenstyre

Independent Contractor

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"TrueNorth is without a doubt #1. Great customer service along with great insurance. I'll continue being a client for years to come."

Desmond Brown Sr.

Owner

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"Even when I had my accident, TrueNorth was with me every step of the way and handled everything in a timely manner. A company like TrueNorth is what drivers need to keep America running."

Robert Smith

Independent Contractor

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"From day one when I started with TrueNorth they have been nothing less than 100% professional. Every customer service representative that I've spoken to has gone beyond their call of duty to answer any questions or resolve any problems I might be having and if I send an email they ALWAYS get back to me in a timely manner."

Andrew Maloney

Independent Contractor

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"TrueAg Insurance, a cooperative-owned group captive insurance company, is reshaping how we approach property and casualty insurance. TrueNorth's effective program management supports member cooperatives, strengthening TrueAg's sustainable future. Together, we can achieve greater resilience, improve safety, control costs and create value for our members."

Jason Klootwyk

President, TrueAg Insurance & CEO, Agtegra Cooperative

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"Bottom line: TrueNorth understands and supports our business so that we can take care of the community. They advocate for our drivers, our internal personnel and work with carriers to make sure we have a team that feels supported and valued."

Keith Rippy

Keith Rippy, Executive Director, Area Ambulance Authority

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"iNergyCMS has taken our safety and DOT compliance platform lightyears ahead of where we were. Not only have they saved us thousands of dollars from our previous program, but they have more tools, content and a fractional safety director resource we've never had before."

Stef Atkins

Operations Manager, Quest Logistics

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Utility contractors in hard hats

"Our utility partners depend on us the way we depend on TrueNorth."

Tammy Kent

CEO, OneSoure Restoration (OSR)

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"As the nation's 13th largest nonprofit health system, we had aspirations to evolve from simply buying insurance on an annual basis to effectively managing and financing risk. UnityPoint's vision is to provide the best outcome to every patient, every time — we believe this is how an enterprise risk management program should also perform. Guided by our mission to improve the health of people and communities we serve, we can count on TrueNorth's support to implement a system-wide risk management program so we can dedicate our time and talent to what matters most: our patients."

UnityPoint Health

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"Over the 75 years we've been in business, we've made every effort to build a reputation based on quality and safety. In the last decade, TrueNorth's team has challenged us to evolve and invest in ways that prioritize and protect those efforts. I can give you a long list of TrueNorth people who have been influential to D.C. Taylor Co. and made us feel like we're an important entity in their business."

Brent Taylor

President & CEO, D.C. Taylor Co.

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NewBo Market

"TrueNorth has taken time to sit down and thoroughly assess the Market's needs as we grow. I feel TrueNorth is as concerned about our bottom line as I am, which makes all the difference as we continue to anticipate and plan for how the Market will evolve in the coming months and years. I'm proud to say we work with local companies and in the process, we support local companies. Having a partner and resource like TrueNorth only amplifies our impact."

NewBo City Market

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Female truck driver in cab

"OverDrive was able to provide tremendous relief for our IC onboarding team and ensure we were compliant during the enrollment and ongoing management of J.B. Hunt's various IC insurance and non-insurance programs. Our team is now freed up to continue focusing on growth and engage with the ICs in areas that are of higher impact for J.B. Hunt."

Eric McConnell

Vice President of Risk Management, J.B. Hunt, Inc.

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"Leading up to our renewal date, I was notified that Discovery Living would have difficulty securing cyber insurance. Considering the sensitive data we handle and population we serve, we know cyber protection is essential. Through working with TrueNorth, we were awarded both time and options — neither of which we thought we had. With TrueNorth's support and guidance, I know Discovery Living is doing all we can to keep our staff and clients secure."

Missy Roseberry

Director of Finance, Discovery Living

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Truck driver using technology in cab

“TrueNorth’s iNergyCMS has been a huge asset to our company and ensuring that we are staying DOT compliant. They are very knowledgeable and have many years of expertise that allows them to provide their clients with exceptional service, guidance, and the tools and resources needed to stay safe and DOT compliant. Highly recommend and worth the money!”

April Pipes

President, Pipes Utility Contractors Platform

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"I have never had to file a business claim before. When my business was damaged by a huge storm, TrueNorth stepped up right away. They were prompt in helping me settle my claim, allowing me to reopen. Any time I had questions or concerns, the team responded and fixed everything I've needed. I'm truly lucky that TrueNorth is here to help me with my small business needs."

Carrie Semelroth

Owner, Serendipity's Salon and Spa

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Fostering a sense of place.

Invest in your future with us. We believe our people are our most valued asset. Recognizing that our success is intertwined with yours, we're committed to evolving together, fostering a true sense of belonging, and ensuring your career journey is both fulfilling and significant.

Smiling woman seated in a classroom or training space.

Fostering a sense of place.

Invest in your future with us. We believe our people are our most valued asset. Recognizing that our success is intertwined with yours, we're committed to evolving together, fostering a true sense of belonging, and ensuring your career journey is both fulfilling and significant.

Smiling woman seated in a classroom or training space.

Fostering a sense of place.

Invest in your future with us. We believe our people are our most valued asset. Recognizing that our success is intertwined with yours, we're committed to evolving together, fostering a true sense of belonging, and ensuring your career journey is both fulfilling and significant.

Family playing together in a sunlit living room.

Protecting your day-to-day is personal for us.

We take time to understand how you live and what matters most, then design coverage that actually fits. From comparing carrier options to finding hidden gaps, we collaborate with clarity, not complexity. And because we’re independent, our relationships with those carriers mean you have more options and more flexbility.

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View from inside a truck showing the driver at the wheel.
View from inside a truck showing the driver at the wheel.
View from inside a truck showing the driver at the wheel.
View from inside a truck showing the driver at the wheel.
View from inside a truck showing the driver at the wheel.
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One TrueNorth is a commitment to fostering the individual’s sense of purpose, fueling their performance and creating an environment where our colleagues feel welcome and valued.
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One TrueNorth is a commitment to fostering the individual’s sense of purpose, fueling their performance and creating an environment where our colleagues feel welcome and valued.

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Our Impact

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