Founded in 1915, NIE was born out of necessity, and today continues to serve its policy holders through a Reciprocal Exchange.


NIE is the only insurance program endorsed by the premiere international fabricare association, Drycleaning and Laundry Institute.


With a primary focus on the fabricare business, NIE’s team is both highly experienced and knowledgeable in all matters of the industry.

Welcome to National Fire and Indemnity Exchange (NIE)


We're Not Your Typical Insurance Company

NIE Insures Thousands of Dry Cleaners and Laundromats in 33 States. Many fabricare businesses don’t realize how different NIE is from other insurance programs. We were formed over 100 years ago by drycleaners, for dry cleaners.

NIE has no stockholders, we are owned by our policy holders.

Sound too good to be true? We get that a lot.

Contact us today and get a


Now Serving 37 States:

NIE Insured States Map

Blue States

The Exchange offers Commercial Multi-Peril policies in these 32 states. Access to Workers Compensation, Commercial Auto, and other policies issued by Hartford and other top rated carriers is also available.

Gold States

In these 5 states we offer policies issued by Hartford Insurance and other top rated insurers for Commercial Multi-Peril, Workers Compensation, and Commercial Auto. (The Exchange does not offer coverage in these states.)

Gray States

We do not offer any coverage in these 11 states.

Why NIE?


We are fully devoted to fabricare.


Your welfare is our mission.


We’re here for you.

Financially Strong

Our ratios rival the big boys.


Our track record is over 100 years.

We Know What We're Doing

NIE (National Fire & Indemnity Exchange) insures thousands of businesses in 33 states. Most policyholders are either a dry cleaner or a laundromat. Every member of NIE’s workforce is devoted to small business insurance.

We Care About You

As a reciprocal exchange, we are owned by our policyholders! Our policyholders elect an Advisory Committee that helps govern the Exchange.

Real People Answer the Phone

For 50 hours each week, you can call 1-800-325-9522 and talk to a friendly, experienced, full-time small business insurance specialist (not a recording). All NIE’s specialists, decision makers and service providers work in the same office. When you need a quick answer or quick action, you get it.

We Have a Healthy Bottom Line

NIE’s financial ratios are stronger than most insurance industry giants. Plus, NIE buys multiple types of reinsurance from companies whose combined net worth exceeds $14 billion.

Our Legacy Continues

NIE was formed in 1915 by the National Association of Dyers and Cleaners. We’re still true to our original mission.
nie 2024 year end report

2024 Annual Report to Policyholders

Learn more about NIE

Customer Testimonials