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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtSecurities" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xml:lang="en-US">Fixed income securities, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtSecurities" xml:lang="en-US">Available-for-sale Securities, Debt Securities, Estimated Fair Value</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesEquitySecurities" xml:lang="en-US">Equity securities, at fair value</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesEquitySecurities" xlink:to="label_us-gaap_AvailableForSaleSecuritiesEquitySecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherInvestments" xlink:label="locator_us-gaap_OtherInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherInvestments" xml:lang="en-US">Other investments</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentsAndCash" xlink:label="locator_us-gaap_InvestmentsAndCash"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_InvestmentsAndCash" xml:lang="en-US">Total cash and investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentsAndCash" xml:lang="en-US">Investments and Cash</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentsAndCash" xlink:to="label_us-gaap_InvestmentsAndCash"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsAndOtherReceivablesNet" xlink:label="locator_us-gaap_PremiumsAndOtherReceivablesNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsAndOtherReceivablesNet" xml:lang="en-US">Premiums and agents' balances receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsAndOtherReceivablesNet" xlink:to="label_us-gaap_PremiumsAndOtherReceivablesNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCosts" xlink:label="locator_us-gaap_DeferredPolicyAcquisitionCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCosts" xml:lang="en-US">Deferred policy acquisition costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCosts" xml:lang="en-US">Balance, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCosts" xml:lang="en-US">Balance, end of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredPolicyAcquisitionCosts" xlink:to="label_us-gaap_DeferredPolicyAcquisitionCosts"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross" xlink:label="locator_us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross" xml:lang="en-US">Reinsurance recoverables</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross" xlink:to="label_us-gaap_ReinsuranceRecoverablesOnUnpaidLossesGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="locator_us-gaap_IncomeTaxReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeTaxReceivable" xml:lang="en-US">Income tax recoverables</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeTaxReceivable" xlink:to="label_us-gaap_IncomeTaxReceivable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedInvestmentIncomeReceivable" xlink:label="locator_us-gaap_AccruedInvestmentIncomeReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccruedInvestmentIncomeReceivable" xml:lang="en-US">Accrued investment income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccruedInvestmentIncomeReceivable" xlink:to="label_us-gaap_AccruedInvestmentIncomeReceivable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Total property and equipment, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="label_us-gaap_PropertyPlantAndEquipmentNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherReceivables" xlink:label="locator_us-gaap_OtherReceivables"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherReceivables" xml:lang="en-US">Receivable from Federal Crop Insurance Corporation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherReceivables" xlink:to="label_us-gaap_OtherReceivables"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:label="locator_us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IntangibleAssetsNetIncludingGoodwill" xml:lang="en-US">Goodwill and other intangibles</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IntangibleAssetsNetIncludingGoodwill" xlink:to="label_us-gaap_IntangibleAssetsNetIncludingGoodwill"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherAssets" xlink:label="locator_us-gaap_OtherAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherAssets" xml:lang="en-US">Other assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherAssets" xlink:to="label_us-gaap_OtherAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Assets" xlink:label="locator_us-gaap_Assets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_Assets" xml:lang="en-US">Total assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Assets" xml:lang="en-US">Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Assets" xlink:to="label_us-gaap_Assets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="locator_us-gaap_LiabilitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilitiesAbstract" xml:lang="en-US">Liabilities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilitiesAbstract" xlink:to="label_us-gaap_LiabilitiesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="locator_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Unpaid losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Unpaid losses and LAE</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense" xlink:to="label_us-gaap_LiabilityForFuturePolicyBenefitsAndUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnearnedPremiums" xlink:label="locator_us-gaap_UnearnedPremiums"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_UnearnedPremiums" xml:lang="en-US">Unearned premiums</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_UnearnedPremiums" xlink:to="label_us-gaap_UnearnedPremiums"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ReinsurancePremiumsPayable" xlink:label="locator_NODK_ReinsurancePremiumsPayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ReinsurancePremiumsPayable" xml:lang="en-US">Reinsurance premiums payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ReinsurancePremiumsPayable" xml:lang="en-US">Reinsurance premiums payable.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ReinsurancePremiumsPayable" xlink:to="label_NODK_ReinsurancePremiumsPayable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TaxesPayableCurrent" xlink:label="locator_us-gaap_TaxesPayableCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_TaxesPayableCurrent" xml:lang="en-US">Income tax payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_TaxesPayableCurrent" xlink:to="label_us-gaap_TaxesPayableCurrent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:label="locator_us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredIncomeTaxLiabilitiesNet" xml:lang="en-US">Deferred income taxes, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredIncomeTaxLiabilitiesNet" xlink:to="label_us-gaap_DeferredIncomeTaxLiabilitiesNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:label="locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xml:lang="en-US">Accrued expenses and other liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:to="label_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="locator_us-gaap_CommitmentsAndContingencies"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommitmentsAndContingencies" xml:lang="en-US">Commitments and Contingencies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommitmentsAndContingencies" xlink:to="label_us-gaap_CommitmentsAndContingencies"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Liabilities" xlink:label="locator_us-gaap_Liabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_Liabilities" xml:lang="en-US">Total liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Liabilities" xml:lang="en-US">Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Liabilities" xlink:to="label_us-gaap_Liabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="locator_us-gaap_StockholdersEquityAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockholdersEquityAbstract" xml:lang="en-US">Shareholders' equity:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_StockholdersEquityAbstract" xml:lang="en-US">Equity:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockholdersEquityAbstract" xlink:to="label_us-gaap_StockholdersEquityAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockValue" xlink:label="locator_us-gaap_CommonStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockValue" xml:lang="en-US">Common stock, $0.01 par value, authorized: 25,000,000 shares; issued: 23,000,000 shares; and outstanding: 2020 - 21,346,079 shares, 2019 - 22,119,380 shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockValue" xlink:to="label_us-gaap_CommonStockValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="locator_us-gaap_PreferredStockValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred stock, without par value, authorized 5,000,000 shares, no shares issued or outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PreferredStockValue" xlink:to="label_us-gaap_PreferredStockValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="locator_us-gaap_AdditionalPaidInCapital"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional paid-in capital</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AdditionalPaidInCapital" xlink:to="label_us-gaap_AdditionalPaidInCapital"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnearnedESOPShares" xlink:label="locator_us-gaap_UnearnedESOPShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_UnearnedESOPShares" xml:lang="en-US">Unearned employee stock ownership plan shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_UnearnedESOPShares" xml:lang="en-US">Unearned ESOP Shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_UnearnedESOPShares" xlink:to="label_us-gaap_UnearnedESOPShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="locator_us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained earnings</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="label_us-gaap_RetainedEarningsAccumulatedDeficit"/>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MinorityInterest" xlink:label="locator_us-gaap_MinorityInterest"/>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="locator_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xml:lang="en-US">Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="label_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="locator_us-gaap_LiabilitiesAndStockholdersEquity"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="label_us-gaap_LiabilitiesAndStockholdersEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="locator_us-gaap_CommonStockParOrStatedValuePerShare"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US">Common stock, par value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="label_us-gaap_CommonStockParOrStatedValuePerShare"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="locator_us-gaap_CommonStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US">Common stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockSharesAuthorized" xlink:to="label_us-gaap_CommonStockSharesAuthorized"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="locator_us-gaap_CommonStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockSharesIssued" xlink:to="label_us-gaap_CommonStockSharesIssued"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="locator_us-gaap_CommonStockSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US">Common stock, shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_CommonStockSharesOutstanding" xml:lang="en-US">Net common shares outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockSharesOutstanding" xlink:to="label_us-gaap_CommonStockSharesOutstanding"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="locator_us-gaap_PreferredStockSharesAuthorized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PreferredStockSharesAuthorized" xml:lang="en-US">Preferred stock, shares authorized</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PreferredStockSharesAuthorized" xlink:to="label_us-gaap_PreferredStockSharesAuthorized"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="locator_us-gaap_PreferredStockSharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred stock, shares issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PreferredStockSharesIssued" xlink:to="label_us-gaap_PreferredStockSharesIssued"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="locator_us-gaap_PreferredStockSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PreferredStockSharesOutstanding" xml:lang="en-US">Preferred stock, shares outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PreferredStockSharesOutstanding" xlink:to="label_us-gaap_PreferredStockSharesOutstanding"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="locator_us-gaap_TreasuryStockShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury stock, shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_TreasuryStockShares" xlink:to="label_us-gaap_TreasuryStockShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="locator_us-gaap_IncomeStatementAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeStatementAbstract" xml:lang="en-US">Income Statement [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeStatementAbstract" xlink:to="label_us-gaap_IncomeStatementAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="locator_us-gaap_RevenuesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RevenuesAbstract" xml:lang="en-US">Revenues:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RevenuesAbstract" xlink:to="label_us-gaap_RevenuesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsEarnedNet" xlink:label="locator_us-gaap_PremiumsEarnedNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsEarnedNet" xml:lang="en-US">Net premiums earned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_PremiumsEarnedNet" xml:lang="en-US">Net premiums</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsEarnedNet" xlink:to="label_us-gaap_PremiumsEarnedNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" xlink:label="locator_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" xml:lang="en-US">Fee and other income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax" xlink:to="label_us-gaap_RevenueFromContractWithCustomerIncludingAssessedTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentIncomeNet" xlink:label="locator_us-gaap_InvestmentIncomeNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentIncomeNet" xml:lang="en-US">Net investment income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentIncomeNet" xlink:to="label_us-gaap_InvestmentIncomeNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealizedInvestmentGainsLosses" xlink:label="locator_us-gaap_RealizedInvestmentGainsLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RealizedInvestmentGainsLosses" xml:lang="en-US">Net capital gain on investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_RealizedInvestmentGainsLosses" xml:lang="en-US">Net capital gain (loss) on investments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RealizedInvestmentGainsLosses" xlink:to="label_us-gaap_RealizedInvestmentGainsLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Revenues" xlink:label="locator_us-gaap_Revenues"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_Revenues" xml:lang="en-US">Total revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Revenues" xml:lang="en-US">Revenue contribution</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Revenues" xlink:to="label_us-gaap_Revenues"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingExpensesAbstract" xlink:label="locator_us-gaap_OperatingExpensesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingExpensesAbstract" xml:lang="en-US">Expenses:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingExpensesAbstract" xlink:to="label_us-gaap_OperatingExpensesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xlink:label="locator_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xml:lang="en-US">Losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xml:lang="en-US">Net losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xml:lang="en-US">Net losses and LAE</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet" xlink:to="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AmortizationOfAcquisitionCosts" xlink:label="locator_us-gaap_AmortizationOfAcquisitionCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AmortizationOfAcquisitionCosts" xml:lang="en-US">Amortization of deferred policy acquisition costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AmortizationOfAcquisitionCosts" xlink:to="label_us-gaap_AmortizationOfAcquisitionCosts"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherUnderwritingExpense" xlink:label="locator_us-gaap_OtherUnderwritingExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherUnderwritingExpense" xml:lang="en-US">Other underwriting and general expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherUnderwritingExpense" xlink:to="label_us-gaap_OtherUnderwritingExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingExpenses" xlink:label="locator_us-gaap_OperatingExpenses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_OperatingExpenses" xml:lang="en-US">Total expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingExpenses" xml:lang="en-US">Operating Expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingExpenses" xlink:to="label_us-gaap_OperatingExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income (loss) before income taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income (loss) before income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="locator_us-gaap_IncomeTaxExpenseBenefit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense (benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeTaxExpenseBenefit" xlink:to="label_us-gaap_IncomeTaxExpenseBenefit"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProfitLoss" xlink:label="locator_us-gaap_ProfitLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_ProfitLoss" xml:lang="en-US">Net income (loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ProfitLoss" xml:lang="en-US">Net income (loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="label_us-gaap_ProfitLoss" xml:lang="en-US">Net income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ProfitLoss" xml:lang="en-US">Net Income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ProfitLoss" xlink:to="label_us-gaap_ProfitLoss"/>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent" xlink:label="locator_us-gaap_OtherComprehensiveIncomeLossBeforeTaxPortionAttributableToParent"/>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated" xlink:label="locator_us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated" xml:lang="en-US">Distribution of employee stock ownership plan shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated" xml:lang="en-US">Shares Held in Employee Stock Option Plan, Allocated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated" xlink:to="label_us-gaap_SharesHeldInEmployeeStockOptionPlanAllocated"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="locator_us-gaap_StatementOfCashFlowsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US">Statement of Cash Flows [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StatementOfCashFlowsAbstract" xlink:to="label_us-gaap_StatementOfCashFlowsAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Cash Flows from Operating Activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Adjustments to reconcile net income to net cash flows from operating activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="label_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:label="locator_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xml:lang="en-US">Net capital gain on investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xml:lang="en-US">Gain (Loss) on Investments, Excluding Other than Temporary Impairments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments" xlink:to="label_us-gaap_GainLossOnInvestmentsExcludingOtherThanTemporaryImpairments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:label="locator_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xml:lang="en-US">Deferred income tax (benefit) expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xml:lang="en-US">Increase (Decrease) in Deferred Income Taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes" xlink:to="label_us-gaap_IncreaseDecreaseInDeferredIncomeTaxes"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DepreciationCreditPropertyPlantAndEquipment" xlink:label="locator_NODK_DepreciationCreditPropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DepreciationCreditPropertyPlantAndEquipment" xml:lang="en-US">Depreciation of property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_DepreciationCreditPropertyPlantAndEquipment" xml:lang="en-US">The amount of depreciation or (credit) during the period for property, plant and equipment.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DepreciationCreditPropertyPlantAndEquipment" xlink:to="label_NODK_DepreciationCreditPropertyPlantAndEquipment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:label="locator_us-gaap_OtherOperatingActivitiesCashFlowStatement"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherOperatingActivitiesCashFlowStatement" xml:lang="en-US">Amortization of intangibles</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherOperatingActivitiesCashFlowStatement" xlink:to="label_us-gaap_OtherOperatingActivitiesCashFlowStatement"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="locator_us-gaap_ShareBasedCompensation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-based compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-based Payment Arrangement, Noncash Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensation" xlink:to="label_us-gaap_ShareBasedCompensation"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:label="locator_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xml:lang="en-US">Amortization of deferred policy acquisition costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xml:lang="en-US">Amortization of deferred policy acquisition costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xml:lang="en-US">Deferred Policy Acquisition Costs, Amortization Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense" xlink:to="label_us-gaap_DeferredPolicyAcquisitionCostAmortizationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:label="locator_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xml:lang="en-US">Deferral of policy acquisition costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xml:lang="en-US">Deferral of policy acquisition costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts" xlink:to="label_us-gaap_IncreaseDecreaseInDeferredPolicyAcquisitionCosts"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="locator_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xml:lang="en-US">Net amortization of premiums and discounts on investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:to="label_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="locator_us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">Loss on sale of property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xml:lang="en-US">Gain (Loss) on Disposition of Property Plant Equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="label_us-gaap_GainLossOnSaleOfPropertyPlantEquipment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xml:lang="en-US">Changes in operating assets and liabilities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="label_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInOtherReceivables" xlink:label="locator_us-gaap_IncreaseDecreaseInOtherReceivables"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInOtherReceivables" xml:lang="en-US">Premiums and agents' balances receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInOtherReceivables" xml:lang="en-US">Increase (Decrease) in Other Receivables</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInOtherReceivables" xlink:to="label_us-gaap_IncreaseDecreaseInOtherReceivables"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:label="locator_us-gaap_IncreaseDecreaseInReinsuranceRecoverable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xml:lang="en-US">Reinsurance premiums receivable / payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xml:lang="en-US">Increase (Decrease) in Reinsurance Recoverable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInReinsuranceRecoverable" xlink:to="label_us-gaap_IncreaseDecreaseInReinsuranceRecoverable"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ReinsuranceRecoverablesOnLosses" xlink:label="locator_NODK_ReinsuranceRecoverablesOnLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_ReinsuranceRecoverablesOnLosses" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ReinsuranceRecoverablesOnLosses" xml:lang="en-US">Reinsurance recoverables on losses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ReinsuranceRecoverablesOnLosses" xml:lang="en-US">Surplus Notes Two [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ReinsuranceRecoverablesOnLosses" xlink:to="label_NODK_ReinsuranceRecoverablesOnLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:label="locator_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xml:lang="en-US">Accrued investment income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xml:lang="en-US">Increase (Decrease) in Accrued Investment Income Receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable" xlink:to="label_us-gaap_IncreaseDecreaseInAccruedInvestmentIncomeReceivable"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_IncreaseDecreaseInReinsuranceReceivables" xlink:label="locator_NODK_IncreaseDecreaseInReinsuranceReceivables"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_IncreaseDecreaseInReinsuranceReceivables" xml:lang="en-US">Receivable from Federal Crop Insurance Corporation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_IncreaseDecreaseInReinsuranceReceivables" xml:lang="en-US">Increase decrease in Reinsurance receivables.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_IncreaseDecreaseInReinsuranceReceivables" xml:lang="en-US">Other Long Term Investment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_IncreaseDecreaseInReinsuranceReceivables" xlink:to="label_NODK_IncreaseDecreaseInReinsuranceReceivables"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xlink:label="locator_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xml:lang="en-US">Income tax recoverable / payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xml:lang="en-US">Increase (Decrease) in Income Taxes Receivable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable" xlink:to="label_us-gaap_IncreaseDecreaseInIncomeTaxesReceivable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xml:lang="en-US">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="label_us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve" xlink:label="locator_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve" xml:lang="en-US">Unpaid losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve" xml:lang="en-US">Increase (Decrease) in Liability for Claims and Claims Adjustment Expense Reserve</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve" xlink:to="label_us-gaap_IncreaseDecreaseInLiabilityForClaimsAndClaimsAdjustmentExpenseReserve"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:label="locator_us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_IncreaseDecreaseInUnearnedPremiums" xml:lang="en-US">Unearned premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInUnearnedPremiums" xml:lang="en-US">Increase (Decrease) in Unearned Premiums</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncreaseDecreaseInUnearnedPremiums" xlink:to="label_us-gaap_IncreaseDecreaseInUnearnedPremiums"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xlink:label="locator_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xml:lang="en-US">Accrued expenses and other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncreaseDecreaseInAccruedLiabilitiesAndOtherOperatingLiabilities" xml:lang="en-US">Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="locator_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Net cash flows from operating activities</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="locator_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US">Cash flows from investing activities:</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:label="locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xml:lang="en-US">Proceeds from maturities and sales of fixed income securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt" xlink:to="label_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:label="locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xml:lang="en-US">Proceeds from sales of equity securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity" xlink:to="label_us-gaap_ProceedsFromSaleOfAvailableForSaleSecuritiesEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:label="locator_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xml:lang="en-US">Purchases of fixed income securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xml:lang="en-US">Payments to Acquire Debt Securities, Available-for-sale</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt" xlink:to="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:label="locator_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xml:lang="en-US">Purchases of equity securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity" xlink:to="label_us-gaap_PaymentsToAcquireAvailableForSaleSecuritiesEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchases of property and equipment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="label_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="locator_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xml:lang="en-US">Acquisition of Westminster American Insurance Company (cash consideration paid net of cash and cash equivalents acquired)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xml:lang="en-US">Payments to Acquire Businesses, Net of Cash Acquired</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:to="label_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="locator_us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xml:lang="en-US">Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xml:lang="en-US">Payments for (Proceeds from) Other Investing Activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:to="label_us-gaap_PaymentsForProceedsFromOtherInvestingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="locator_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US">Net cash flows from investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="label_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US">Cash flows from financing activities:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForRepurchaseOfEquity" xlink:label="locator_us-gaap_PaymentsForRepurchaseOfEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_PaymentsForRepurchaseOfEquity" xml:lang="en-US">Purchases of treasury stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsForRepurchaseOfEquity" xml:lang="en-US">Payments for Repurchase of Equity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsForRepurchaseOfEquity" xlink:to="label_us-gaap_PaymentsForRepurchaseOfEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="locator_us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ProceedsFromIssuanceOfCommonStock" xml:lang="en-US">Issuance of restricted stock awards</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="label_us-gaap_ProceedsFromIssuanceOfCommonStock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="locator_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US">Net cash flows from financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="label_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:label="locator_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:to="label_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="locator_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xml:lang="en-US">Non-cash item:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:to="label_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity" xlink:label="locator_NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity" xml:lang="en-US">Present value of installment payable issued in connection with acquisition of Westminster American Insurance Company</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity" xml:lang="en-US">Present value of installment payable issued in connection with acquisition of Westminster American Insurance Company.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity" xlink:to="label_NODK_PresentValueOfInstallmentPayableIssuedInConnectionWithAcquisitionOfHoldingEntity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="locator_us-gaap_IncomeTaxesPaid"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeTaxesPaid" xml:lang="en-US">Income taxes paid</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeTaxesPaid" xlink:to="label_us-gaap_IncomeTaxesPaid"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock" xlink:label="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock" xml:lang="en-US">Organization</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xml:lang="en-US">Basis of Presentation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="label_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="locator_us-gaap_AccountingPoliciesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccountingPoliciesAbstract" xlink:to="label_us-gaap_AccountingPoliciesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:label="locator_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xml:lang="en-US">Summary of Significant Accounting Policies</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock" xlink:to="label_us-gaap_OrganizationConsolidationBasisOfPresentationBusinessDescriptionAndAccountingPoliciesTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationsAbstract" xlink:label="locator_us-gaap_BusinessCombinationsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationsAbstract" xml:lang="en-US">Business Combinations [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationsAbstract" xlink:to="label_us-gaap_BusinessCombinationsAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationDisclosureTextBlock" xlink:label="locator_us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationDisclosureTextBlock" xml:lang="en-US">Acquisition of Westminster American Insurance Company</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:to="label_us-gaap_BusinessCombinationDisclosureTextBlock"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SegmentReportingAbstract" xml:lang="en-US">Segment Reporting [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SegmentReportingAbstract" xlink:to="label_us-gaap_SegmentReportingAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="locator_us-gaap_SegmentReportingDisclosureTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SegmentReportingDisclosureTextBlock" xml:lang="en-US">Segment Information</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="label_us-gaap_SegmentReportingDisclosureTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="locator_us-gaap_SubsequentEventsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SubsequentEventsAbstract" xml:lang="en-US">Subsequent Events [Abstract]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SubsequentEventsAbstract" xlink:to="label_us-gaap_SubsequentEventsAbstract"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SubsequentEventsTextBlock" xml:lang="en-US">Subsequent Events</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SubsequentEventsTextBlock" xlink:to="label_us-gaap_SubsequentEventsTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="locator_us-gaap_UseOfEstimates"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_UseOfEstimates" xml:lang="en-US">Use of Estimates</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_UseOfEstimates" xlink:to="label_us-gaap_UseOfEstimates"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:label="locator_us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ConsolidationVariableInterestEntityPolicy" xml:lang="en-US">Variable-Interest Entities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:to="label_us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="locator_us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xml:lang="en-US">Cash and Cash Equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="label_us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentPolicyTextBlock" xlink:label="locator_us-gaap_InvestmentPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_InvestmentPolicyTextBlock" xml:lang="en-US">Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentPolicyTextBlock" xml:lang="en-US">Investment, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentPolicyTextBlock" xlink:to="label_us-gaap_InvestmentPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:label="locator_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xml:lang="en-US">Fair Value of Other Financial Instruments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="label_us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Reclassifications" xlink:label="locator_us-gaap_Reclassifications"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Reclassifications" xml:lang="en-US">Reclassification of Segment Information</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Reclassifications" xlink:to="label_us-gaap_Reclassifications"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RevenueRecognitionPremiumsEarnedPolicy" xlink:label="locator_us-gaap_RevenueRecognitionPremiumsEarnedPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RevenueRecognitionPremiumsEarnedPolicy" xml:lang="en-US">Revenue Recognition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RevenueRecognitionPremiumsEarnedPolicy" xlink:to="label_us-gaap_RevenueRecognitionPremiumsEarnedPolicy"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy" xlink:label="locator_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy" xml:lang="en-US">Policy Acquisition Costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy" xlink:to="label_us-gaap_CapitalizationOfDeferredPolicyAcquisitionCostsPolicy"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US">Property and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_LossesAndLossAdjustmentExpensesPolicy" xlink:label="locator_NODK_LossesAndLossAdjustmentExpensesPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_LossesAndLossAdjustmentExpensesPolicy" xml:lang="en-US">Losses and Loss Adjustment Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_LossesAndLossAdjustmentExpensesPolicy" xml:lang="en-US">Losses and loss adjustment expenses policy.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_LossesAndLossAdjustmentExpensesPolicy" xlink:to="label_NODK_LossesAndLossAdjustmentExpensesPolicy"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="locator_us-gaap_IncomeTaxPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US">Income Taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeTaxPolicyTextBlock" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="label_us-gaap_IncomeTaxPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ConcentrationRiskCreditRisk" xlink:label="locator_us-gaap_ConcentrationRiskCreditRisk"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ConcentrationRiskCreditRisk" xml:lang="en-US">Credit Risk</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ConcentrationRiskCreditRisk" xlink:to="label_us-gaap_ConcentrationRiskCreditRisk"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceAccountingPolicy" xlink:label="locator_us-gaap_ReinsuranceAccountingPolicy"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ReinsuranceAccountingPolicy" xml:lang="en-US">Reinsurance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceAccountingPolicy" xml:lang="en-US">Reinsurance Accounting Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceAccountingPolicy" xlink:to="label_us-gaap_ReinsuranceAccountingPolicy"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:label="locator_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xml:lang="en-US">Goodwill and Other Intangibles</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xml:lang="en-US">Goodwill and Intangible Assets, Policy [Policy Text Block]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock" xlink:to="label_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:label="locator_us-gaap_BusinessAcquisitionProFormaInformationTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xml:lang="en-US">Schedule of Proforma Information of Business Combination</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessAcquisitionProFormaInformationTextBlock" xlink:to="label_us-gaap_BusinessAcquisitionProFormaInformationTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xml:lang="en-US">Schedule of Identified Assets Acquired and Liabilities Assumed</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:to="label_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesTextBlock" xml:lang="en-US">Schedule of amortized cost and estimated fair value of securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:to="label_us-gaap_AvailableForSaleSecuritiesTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="locator_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xml:lang="en-US">Schedule of amortized cost and fair value of fixed income securities by contractual maturity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:to="label_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock" xml:lang="en-US">Schedule of unrealized loss of securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentIncomeTextBlock" xlink:label="locator_us-gaap_InvestmentIncomeTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentIncomeTextBlock" xml:lang="en-US">Schedule of net investment income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentIncomeTextBlock" xlink:to="label_us-gaap_InvestmentIncomeTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnInvestmentsTextBlock" xlink:label="locator_us-gaap_GainLossOnInvestmentsTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GainLossOnInvestmentsTextBlock" xml:lang="en-US">Schedule of net realized gain (loss) on investments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GainLossOnInvestmentsTextBlock" xlink:to="label_us-gaap_GainLossOnInvestmentsTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:label="locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xml:lang="en-US">Schedule of Financial Instruments at Fair Value Measured on a Recurring Basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock" xlink:to="label_us-gaap_FairValueAssetsMeasuredOnRecurringBasisTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EffectsOfReinsuranceTableTextBlock" xlink:label="locator_us-gaap_EffectsOfReinsuranceTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EffectsOfReinsuranceTableTextBlock" xml:lang="en-US">Schedule of reconciliation of direct to net premiums on both a written and an earned basis</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EffectsOfReinsuranceTableTextBlock" xlink:to="label_us-gaap_EffectsOfReinsuranceTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" xlink:label="locator_NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" xml:lang="en-US">Schedule of reconciliation of direct to net losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" xml:lang="en-US">Tabular disclosure of reconciliation of direct to net losses and loss adjustment expenses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock" xlink:to="label_NODK_ScheduleOfReconciliationOfDirectToNetLossesAndLossAdjustmentExpensesTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xlink:label="locator_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xml:lang="en-US">Schedule of deferred policy acquisition costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock" xlink:to="label_us-gaap_DeferredPolicyAcquisitionCostsTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense" xlink:label="locator_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Schedule of Activity in the liability for unpaid losses and loss adjustment expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense" xlink:to="label_us-gaap_ScheduleOfLiabilityForUnpaidClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentTextBlock" xml:lang="en-US">Schedule of Property and equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="label_us-gaap_PropertyPlantAndEquipmentTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfGoodwillTextBlock" xlink:label="locator_us-gaap_ScheduleOfGoodwillTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfGoodwillTextBlock" xml:lang="en-US">Schedule of Carrying Amount of Goodwill by Segment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfGoodwillTextBlock" xlink:to="label_us-gaap_ScheduleOfGoodwillTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xml:lang="en-US">Schedule of Carrying Amount of Other Intangible Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xml:lang="en-US">Schedule of illustrates the impact of consolidating Battle Creek into our consolidated balance sheets prior to intercompany eliminations</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="label_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_OperatingLeasesTablesAbstract" xlink:label="locator_NODK_OperatingLeasesTablesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_OperatingLeasesTablesAbstract" xml:lang="en-US">Operating Leases</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_OperatingLeasesTablesAbstract" xlink:to="label_NODK_OperatingLeasesTablesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xml:lang="en-US">Schedule of Minimum Future Commitments Under Non-Cancellable Leases</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock" xlink:to="label_us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CommonStockTablesAbstract" xlink:label="locator_NODK_CommonStockTablesAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_CommonStockTablesAbstract" xml:lang="en-US">Common Stock</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CommonStockTablesAbstract" xlink:to="label_NODK_CommonStockTablesAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfStockholdersEquityTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfStockholdersEquityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfStockholdersEquityTableTextBlock" xml:lang="en-US">Schedule of number of common stock shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfStockholdersEquityTableTextBlock" xlink:to="label_us-gaap_ScheduleOfStockholdersEquityTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock" xml:lang="en-US">Schedule of Restricted Stock Outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock" xlink:to="label_us-gaap_ScheduleOfSharebasedCompensationRestrictedStockAndRestrictedStockUnitsActivityTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xml:lang="en-US">Schedule of RSU activity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="label_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationPerformanceSharesAwardOutstandingActivityTableTextBlock" xlink:label="locator_us-gaap_ShareBasedCompensationPerformanceSharesAwardOutstandingActivityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationPerformanceSharesAwardOutstandingActivityTableTextBlock" xml:lang="en-US">Schedule of Performance Stock Outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationPerformanceSharesAwardOutstandingActivityTableTextBlock" xlink:to="label_us-gaap_ShareBasedCompensationPerformanceSharesAwardOutstandingActivityTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfNonvestedPerformanceBasedUnitsActivityTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfNonvestedPerformanceBasedUnitsActivityTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfNonvestedPerformanceBasedUnitsActivityTableTextBlock" xml:lang="en-US">Schedule of PSU activity</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfNonvestedPerformanceBasedUnitsActivityTableTextBlock" xlink:to="label_us-gaap_ScheduleOfNonvestedPerformanceBasedUnitsActivityTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:label="locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xml:lang="en-US">Schedule of reconciliation of the numerators and denominators we used in the basic and diluted per share</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:to="label_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RevenueFromExternalCustomersByGeographicAreasTableTextBlock" xlink:label="locator_us-gaap_RevenueFromExternalCustomersByGeographicAreasTableTextBlock"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RevenueFromExternalCustomersByGeographicAreasTableTextBlock" xml:lang="en-US">Schedule of revenue by insurance product line</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RevenueFromExternalCustomersByGeographicAreasTableTextBlock" xlink:to="label_us-gaap_RevenueFromExternalCustomersByGeographicAreasTableTextBlock"/>
    <loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd#dei_LegalEntityAxis" xlink:label="locator_dei_LegalEntityAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_dei_LegalEntityAxis" xml:lang="en-US">Legal Entity [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_dei_LegalEntityAxis" xlink:to="label_dei_LegalEntityAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NodakInsuranceMember" xlink:label="locator_NODK_NodakInsuranceMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NodakInsuranceMember" xml:lang="en-US">Nodak Insurance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_NodakInsuranceMember" xml:lang="en-US">Nodak Insurance [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NodakInsuranceMember" xlink:to="label_NODK_NodakInsuranceMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PercentageOfSharesExchanged" xlink:label="locator_NODK_PercentageOfSharesExchanged"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfSharesExchanged" xml:lang="en-US">Percentage of shares exchanged</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfSharesExchanged" xml:lang="en-US">Percentage of shares exchanged.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfSharesExchanged" xlink:to="label_NODK_PercentageOfSharesExchanged"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PercentageOfQuotaShareAgreement" xlink:label="locator_NODK_PercentageOfQuotaShareAgreement"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfQuotaShareAgreement" xml:lang="en-US">Percentage of quota share agreement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfQuotaShareAgreement" xml:lang="en-US">Percentage of quota share agreement.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfQuotaShareAgreement" xlink:to="label_NODK_PercentageOfQuotaShareAgreement"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:label="locator_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xml:lang="en-US">Equity Method Investee, Name [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xml:lang="en-US">Investment, Name [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis" xlink:to="label_srt_ScheduleOfEquityMethodInvestmentEquityMethodInvesteeNameAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BattleCreekMember" xlink:label="locator_NODK_BattleCreekMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BattleCreekMember" xml:lang="en-US">Battle Creek [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BattleCreekMember" xml:lang="en-US">Battle Creek [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BattleCreekMember" xlink:to="label_NODK_BattleCreekMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:label="locator_us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US">Ownership percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_EquityMethodInvestmentOwnershipPercentage" xml:lang="en-US">Ownership percentage in acquisition</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EquityMethodInvestmentOwnershipPercentage" xlink:to="label_us-gaap_EquityMethodInvestmentOwnershipPercentage"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherShortTermInvestments" xlink:label="locator_us-gaap_OtherShortTermInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherShortTermInvestments" xml:lang="en-US">Other invested assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherShortTermInvestments" xlink:to="label_us-gaap_OtherShortTermInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashFDICInsuredAmount" xlink:label="locator_us-gaap_CashFDICInsuredAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CashFDICInsuredAmount" xml:lang="en-US">Federal Deposit Insurance Corporation amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CashFDICInsuredAmount" xlink:to="label_us-gaap_CashFDICInsuredAmount"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShortTermInvestments" xlink:label="locator_us-gaap_ShortTermInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShortTermInvestments" xml:lang="en-US">Short-term investment balances in investment that are insured by SIPC</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShortTermInvestments" xlink:to="label_us-gaap_ShortTermInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdvertisingExpense" xlink:label="locator_us-gaap_AdvertisingExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AdvertisingExpense" xml:lang="en-US">Advertising Costs</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AdvertisingExpense" xlink:to="label_us-gaap_AdvertisingExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:label="locator_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xml:lang="en-US">Schedule of Business Acquisitions, by Acquisition [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="label_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessAcquisitionAxis" xlink:label="locator_us-gaap_BusinessAcquisitionAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessAcquisitionAxis" xml:lang="en-US">Business Acquisition [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessAcquisitionAxis" xlink:to="label_us-gaap_BusinessAcquisitionAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_WestminsterAmericanInsuranceCompanyMember" xlink:label="locator_NODK_WestminsterAmericanInsuranceCompanyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_WestminsterAmericanInsuranceCompanyMember" xml:lang="en-US">Westminster American Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_WestminsterAmericanInsuranceCompanyMember" xml:lang="en-US">Westminster American Insurance Company [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_WestminsterAmericanInsuranceCompanyMember" xlink:to="label_NODK_WestminsterAmericanInsuranceCompanyMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessAcquisitionLineItems" xlink:label="locator_us-gaap_BusinessAcquisitionLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessAcquisitionLineItems" xml:lang="en-US">Business Acquisition [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessAcquisitionLineItems" xlink:to="label_us-gaap_BusinessAcquisitionLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:label="locator_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xml:lang="en-US">Gain on bargain purchase</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:to="label_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:label="locator_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xml:lang="en-US">Acquisition related costs incurred</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts" xlink:to="label_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_NumberOfInstallments" xml:lang="en-US">Number of installments.</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsToAcquireBusinessesGross" xlink:to="label_us-gaap_PaymentsToAcquireBusinessesGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherPaymentsToAcquireBusinesses" xlink:label="locator_us-gaap_OtherPaymentsToAcquireBusinesses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherPaymentsToAcquireBusinesses" xml:lang="en-US">Present value of future cash consideration</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherPaymentsToAcquireBusinesses" xlink:to="label_us-gaap_OtherPaymentsToAcquireBusinesses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationConsiderationTransferred1" xlink:label="locator_us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_BusinessCombinationConsiderationTransferred1" xml:lang="en-US">Total cash consideration</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:to="label_us-gaap_BusinessCombinationConsiderationTransferred1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract" xml:lang="en-US">Recognized Amounts of Identifiable Assets Acquired and Liabilities Assumed:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNetAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAbstract" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAbstract" xml:lang="en-US">Identifiable net assets:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAbstract" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xml:lang="en-US">Cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Cash and Equivalents</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsFixedIncomeSecurities" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsFixedIncomeSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsFixedIncomeSecurities" xml:lang="en-US">Fixed income securities, at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsFixedIncomeSecurities" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Fixed income securities, at fair value.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsFixedIncomeSecurities" xml:lang="en-US">New York State Taxable Series [Member]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsMarketableSecurities" xml:lang="en-US">Equity securities, at fair value</label>
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    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" xml:lang="en-US">Other investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" xml:lang="en-US">Amount of other investments, acquired at the acquisition date.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" xml:lang="en-US">BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xml:lang="en-US">Premiums and agents' balances receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Assets, Receivables</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsReceivables"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses" xml:lang="en-US">Reinsurance recoverables on losses in business combination.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses" xml:lang="en-US">BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsuranceRecoverablesOnLosses"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome" xml:lang="en-US">Accrued investment income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Accrued investment income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome" xml:lang="en-US">Maricopa County Arizona School District no Thirty One [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentAssetsAccruedInvestmentIncome"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment" xml:lang="en-US">Property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Property, Plant, and Equipment</label>
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    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable" xml:lang="en-US">Federal income tax recoverable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable" xml:lang="en-US">Amount of federal income tax recoverable, acquired at the acquisition date.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFederalIncomeTaxRecoverable"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract" xml:lang="en-US">Favorable lease contract (included in goodwill and other intangibles)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Bargain lease contract.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssetsBargainLeaseContract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssets" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssets" xml:lang="en-US">State insurance licenses (included in goodwill and other intangibles)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssets" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIndefiniteLivedIntangibleAssets"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDistributionNetwork" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDistributionNetwork"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnpaidLossesAndLossAdjustmentExpenses" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Unpaid losses and loss adjustment expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnpaidLossesAndLossAdjustmentExpenses" xml:lang="en-US">New York State Taxable Series [Member] [Default Label]</label>
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    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnearnedPremiums" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnearnedPremiums"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnearnedPremiums" xml:lang="en-US">Unearned premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnearnedPremiums" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Unearned premiums.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedUnearnedPremiums" xml:lang="en-US">Maricopa County Arizona School District no Thirty One [Member] [Default Label]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable" xml:lang="en-US">Federal income tax payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Accounts Payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities" xml:lang="en-US">Deferred income taxes, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Deferred Tax Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeferredTaxLiabilities"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable" xlink:label="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable" xml:lang="en-US">Reinsurance premiums payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable" xml:lang="en-US">Amount of reinsurance premiums payable, acquired at the acquisition date.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable" xml:lang="en-US">BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable" xlink:to="label_NODK_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedReinsurancePremiumsPayable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther" xml:lang="en-US">Accrued expenses and other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Noncurrent Liabilities, Other</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:label="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xml:lang="en-US">Total identifiable net assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:to="label_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Goodwill" xlink:label="locator_us-gaap_Goodwill"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Goodwill" xml:lang="en-US">Goodwill</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Goodwill" xlink:to="label_us-gaap_Goodwill"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_RecentAccountingPronouncementsNarrativeDetailsAbstract" xlink:label="locator_NODK_RecentAccountingPronouncementsNarrativeDetailsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_RecentAccountingPronouncementsNarrativeDetailsAbstract" xml:lang="en-US">Recent Accounting Pronouncements Narrative</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_RecentAccountingPronouncementsNarrativeDetailsAbstract" xlink:to="label_NODK_RecentAccountingPronouncementsNarrativeDetailsAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities" xlink:label="locator_NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities" xml:lang="en-US">Income tax effects from accumulated other comprehensive income to retained earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities" xml:lang="en-US">Impact of effective tax rate change on deferred income tax assets and liabilities.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities" xlink:to="label_NODK_ImpactOfEffectiveTaxRateChangeOnDeferredIncomeTaxAssetsAndLiabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax" xlink:label="locator_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax"/>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="locator_us-gaap_InvestmentTypeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentTypeAxis" xml:lang="en-US">Schedule Of Fair Value Of Separate Accounts By Major Category Of Investment [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_InvestmentTypeAxis" xml:lang="en-US">Investment Type [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentTypeAxis" xlink:to="label_us-gaap_InvestmentTypeAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FixedMaturitiesMember" xlink:label="locator_us-gaap_FixedMaturitiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FixedMaturitiesMember" xml:lang="en-US">Fixed income securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FixedMaturitiesMember" xlink:to="label_us-gaap_FixedMaturitiesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TradingSecurities" xlink:label="locator_us-gaap_TradingSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_TradingSecurities" xml:lang="en-US">Fixed income securities with a fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_TradingSecurities" xlink:to="label_us-gaap_TradingSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:label="locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xml:lang="en-US">Number of securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1" xlink:to="label_us-gaap_AvailableforsaleSecuritiesInUnrealizedLossPositionsQualitativeDisclosureNumberOfPositions1"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfFixedMaturitiesAmortizedCostValues" xml:lang="en-US">Percentage of fixed maturities amortized cost values</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfFixedMaturitiesAmortizedCostValues" xml:lang="en-US">Percentage of fixed maturities amortized cost values.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfFixedMaturitiesAmortizedCostValues" xlink:to="label_NODK_PercentageOfFixedMaturitiesAmortizedCostValues"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EquitySecuritiesMember" xml:lang="en-US">Equity Securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EquitySecuritiesMember" xlink:to="label_us-gaap_EquitySecuritiesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FinancialInstrumentAxis" xlink:label="locator_us-gaap_FinancialInstrumentAxis"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FinancialInstrumentAxis" xlink:to="label_us-gaap_FinancialInstrumentAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:label="locator_us-gaap_USTreasuryAndGovernmentMember"/>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_USTreasuryAndGovernmentMember" xlink:to="label_us-gaap_USTreasuryAndGovernmentMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_StatesAndPoliticalSubdivisionsGeneralObligationsMember" xlink:label="locator_NODK_StatesAndPoliticalSubdivisionsGeneralObligationsMember"/>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_StatesAndPoliticalSubdivisionsGeneralObligationsMember" xml:lang="en-US">States and Political Subdivisions General Obligations [Member]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CorporateDebtSecuritiesMember" xml:lang="en-US">Corporate securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CorporateDebtSecuritiesMember" xlink:to="label_us-gaap_CorporateDebtSecuritiesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:label="locator_us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ResidentialMortgageBackedSecuritiesMember" xml:lang="en-US">Residential mortgage-backed securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ResidentialMortgageBackedSecuritiesMember" xlink:to="label_us-gaap_ResidentialMortgageBackedSecuritiesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:label="locator_us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommercialMortgageBackedSecuritiesMember" xml:lang="en-US">Commercial mortgage-backed securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommercialMortgageBackedSecuritiesMember" xlink:to="label_us-gaap_CommercialMortgageBackedSecuritiesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetBackedSecuritiesMember" xlink:label="locator_us-gaap_AssetBackedSecuritiesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AssetBackedSecuritiesMember" xml:lang="en-US">Asset backed securities [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AssetBackedSecuritiesMember" xlink:to="label_us-gaap_AssetBackedSecuritiesMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BasicMaterialsMember" xlink:label="locator_NODK_BasicMaterialsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BasicMaterialsMember" xml:lang="en-US">Basic materials [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BasicMaterialsMember" xml:lang="en-US">Basic materials [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BasicMaterialsMember" xlink:to="label_NODK_BasicMaterialsMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CommunicationsMember" xlink:label="locator_NODK_CommunicationsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CommunicationsMember" xml:lang="en-US">Communications [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CommunicationsMember" xml:lang="en-US">Communications [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CommunicationsMember" xlink:to="label_NODK_CommunicationsMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ConsumerCyclicalMember" xlink:label="locator_NODK_ConsumerCyclicalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ConsumerCyclicalMember" xml:lang="en-US">Consumer, cyclical [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ConsumerCyclicalMember" xml:lang="en-US">Consumer, cyclical [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ConsumerCyclicalMember" xlink:to="label_NODK_ConsumerCyclicalMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ConsumerNonCyclicalMember" xlink:label="locator_NODK_ConsumerNonCyclicalMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ConsumerNonCyclicalMember" xml:lang="en-US">Consumer, non-cyclical [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ConsumerNonCyclicalMember" xml:lang="en-US">Consumer, non-cyclical [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ConsumerNonCyclicalMember" xlink:to="label_NODK_ConsumerNonCyclicalMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_EnergyMember" xlink:label="locator_NODK_EnergyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_EnergyMember" xml:lang="en-US">Energy [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_EnergyMember" xml:lang="en-US">Energy [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_EnergyMember" xlink:to="label_NODK_EnergyMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_FinancialMember" xlink:label="locator_NODK_FinancialMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_FinancialMember" xml:lang="en-US">Financial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_FinancialMember" xml:lang="en-US">Financial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_FinancialMember" xlink:to="label_NODK_FinancialMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_IndustrialMember" xlink:label="locator_NODK_IndustrialMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_IndustrialMember" xml:lang="en-US">Industrial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_IndustrialMember" xml:lang="en-US">Industrial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_IndustrialMember" xlink:to="label_NODK_IndustrialMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_TechnologyMember" xlink:label="locator_NODK_TechnologyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_TechnologyMember" xml:lang="en-US">Technology [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_TechnologyMember" xml:lang="en-US">Technology [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_TechnologyMember" xlink:to="label_NODK_TechnologyMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_UtilityMember" xlink:label="locator_NODK_UtilityMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_UtilityMember" xml:lang="en-US">Utility [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_UtilityMember" xml:lang="en-US">Utility [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_UtilityMember" xlink:to="label_NODK_UtilityMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesAmortizedCost" xml:lang="en-US">Cost or Amortized Cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="label_us-gaap_AvailableForSaleSecuritiesAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:label="locator_us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xml:lang="en-US">Gross Unrealized Gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax" xlink:to="label_us-gaap_AvailableForSaleEquitySecuritiesAccumulatedGrossUnrealizedGainBeforeTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:label="locator_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xml:lang="en-US">Gross Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xml:lang="en-US">Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax" xlink:to="label_us-gaap_AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="locator_us-gaap_AvailableForSaleSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecurities" xml:lang="en-US">Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecurities" xlink:to="label_us-gaap_AvailableForSaleSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xml:lang="en-US">Amortized Cost, Due to mature One year or less</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xml:lang="en-US">Amortized Cost, Due to mature After one year through five years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xml:lang="en-US">Amortized Cost, Due to mature After five years through ten years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xml:lang="en-US">Amortized Cost, Due to mature After ten years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities" xlink:label="locator_NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities" xml:lang="en-US">Amortized Cost, Due to mature Mortgage/asset-backed securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities" xml:lang="en-US">Amortized Cost, Due to mature Mortgage/asset-backed securities.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities" xlink:to="label_NODK_AvailableForSaleSecuritiesDebtMaturitiesMortgageAssetBackedSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:label="locator_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xml:lang="en-US">Available-for-sale Securities, Debt Maturities, Amortized Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xml:lang="en-US">Debt Securities, Available-for-sale, Amortized Cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis" xlink:to="label_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xml:lang="en-US">Fair Value, Due to mature One year or less</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xml:lang="en-US">Fair Value, Due to mature After one year through five years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xml:lang="en-US">Fair Value, Due to mature After five years through ten years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xml:lang="en-US">Fair Value, Due to mature After ten years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" xlink:label="locator_NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" xml:lang="en-US">Fair Value, Due to mature Mortgage/asset-backed securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" xml:lang="en-US">Fair Value, Due to mature Mortgage/asset-backed securities.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities" xlink:to="label_NODK_AvailableForSaleSecuritiesFairValueMortgageAssetBackedSecurities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xml:lang="en-US">Less than 12 months Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xml:lang="en-US">Less than 12 months Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xml:lang="en-US">Greater than 12 months Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xml:lang="en-US">Greater than 12 months Unrealized Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xml:lang="en-US">Fair Value, Total</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xml:lang="en-US">Unrealized Losses, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Accumulated Loss</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss" xlink:to="label_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RealEstateSectorMember" xlink:label="locator_us-gaap_RealEstateSectorMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RealEstateSectorMember" xml:lang="en-US">Real estate [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RealEstateSectorMember" xlink:to="label_us-gaap_RealEstateSectorMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CashAndCashEquivalentsMember" xlink:label="locator_us-gaap_CashAndCashEquivalentsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CashAndCashEquivalentsMember" xml:lang="en-US">Cash and Cash Equivalents [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CashAndCashEquivalentsMember" xlink:to="label_us-gaap_CashAndCashEquivalentsMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NetInvestmentIncome" xlink:label="locator_us-gaap_NetInvestmentIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NetInvestmentIncome" xml:lang="en-US">Total gross investment income</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NetInvestmentIncome" xlink:to="label_us-gaap_NetInvestmentIncome"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_InvestmentIncomeInvestmentExpense" xlink:label="locator_us-gaap_InvestmentIncomeInvestmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_InvestmentIncomeInvestmentExpense" xml:lang="en-US">Investment expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_InvestmentIncomeInvestmentExpense" xlink:to="label_us-gaap_InvestmentIncomeInvestmentExpense"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_InvestmentIncomeLessInvestmentExpenses" xlink:label="locator_NODK_InvestmentIncomeLessInvestmentExpenses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_NODK_InvestmentIncomeLessInvestmentExpenses" xml:lang="en-US">Net investment income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_InvestmentIncomeLessInvestmentExpenses" xml:lang="en-US">Investment Income Less Investment Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_InvestmentIncomeLessInvestmentExpenses" xml:lang="en-US">Investment Income Less Investment Expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_InvestmentIncomeLessInvestmentExpenses" xlink:to="label_NODK_InvestmentIncomeLessInvestmentExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:label="locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xml:lang="en-US">Gross realized gains</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains" xlink:to="label_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" xlink:label="locator_us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" xml:lang="en-US">Gross realized losses, excluding other-than-temporary impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" xml:lang="en-US">Available-for-sale Securities, Realized Losses, Excluding Other than Temporary Impairments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments" xlink:to="label_us-gaap_AvailableforsaleSecuritiesGrossRealizedLossesExcludingOtherThanTemporaryImpairments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GainLossOnInvestments" xlink:label="locator_us-gaap_GainLossOnInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GainLossOnInvestments" xml:lang="en-US">Net realized gain (loss) on investments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GainLossOnInvestments" xlink:to="label_us-gaap_GainLossOnInvestments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtAndEquitySecuritiesRealizedGainLoss" xlink:label="locator_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss" xml:lang="en-US">Change in net unrealized gain on equity securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss" xlink:to="label_us-gaap_DebtAndEquitySecuritiesRealizedGainLoss"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:label="locator_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US">Fair Value, Hierarchy [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_FairValueByFairValueHierarchyLevelAxis" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="label_us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="locator_us-gaap_FairValueInputsLevel1Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueInputsLevel1Member" xml:lang="en-US">Level I [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueInputsLevel1Member" xlink:to="label_us-gaap_FairValueInputsLevel1Member"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="locator_us-gaap_FairValueInputsLevel2Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueInputsLevel2Member" xml:lang="en-US">Level II [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueInputsLevel2Member" xlink:to="label_us-gaap_FairValueInputsLevel2Member"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="locator_us-gaap_FairValueInputsLevel3Member"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FairValueInputsLevel3Member" xml:lang="en-US">Level III [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FairValueInputsLevel3Member" xlink:to="label_us-gaap_FairValueInputsLevel3Member"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="locator_us-gaap_AssetsFairValueDisclosure"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AssetsFairValueDisclosure" xml:lang="en-US">Total assets at fair value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AssetsFairValueDisclosure" xlink:to="label_us-gaap_AssetsFairValueDisclosure"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRetentionPolicyAmountRetained" xlink:label="locator_us-gaap_ReinsuranceRetentionPolicyAmountRetained"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRetentionPolicyAmountRetained" xml:lang="en-US">Reinsurance Retention Policy, Amount Retained</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRetentionPolicyAmountRetained" xlink:to="label_us-gaap_ReinsuranceRetentionPolicyAmountRetained"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured" xlink:label="locator_us-gaap_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured" xml:lang="en-US">Reinsurance Retention Policy, Excess Retention, Amount Reinsured</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured" xlink:to="label_us-gaap_ReinsuranceRetentionPolicyExcessRetentionAmountReinsured"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_RetainedRiskAmount" xlink:label="locator_NODK_RetainedRiskAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_RetainedRiskAmount" xml:lang="en-US">Retained risk amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_RetainedRiskAmount" xml:lang="en-US">Retained risk amount.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_RetainedRiskAmount" xlink:to="label_NODK_RetainedRiskAmount"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CatastrophicRetentionAmountIncreased" xlink:label="locator_NODK_CatastrophicRetentionAmountIncreased"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CatastrophicRetentionAmountIncreased" xml:lang="en-US">Catastrophic retention amount increased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CatastrophicRetentionAmountIncreased" xml:lang="en-US">Catastrophic retention amount increased.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CatastrophicRetentionAmountIncreased" xlink:to="label_NODK_CatastrophicRetentionAmountIncreased"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CededReinsuranceCommissionPercentage" xlink:label="locator_NODK_CededReinsuranceCommissionPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CededReinsuranceCommissionPercentage" xml:lang="en-US">Ceded reinsurance commission percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CededReinsuranceCommissionPercentage" xml:lang="en-US">Ceded reinsurance commission percentage.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CededReinsuranceCommissionPercentage" xlink:to="label_NODK_CededReinsuranceCommissionPercentage"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses" xlink:label="locator_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses" xml:lang="en-US">Reinsurance recoverables</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses" xlink:to="label_us-gaap_ReinsuranceRecoverablesOnPaidAndUnpaidLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsWrittenNetConsolidatedAbstract" xlink:label="locator_us-gaap_PremiumsWrittenNetConsolidatedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsWrittenNetConsolidatedAbstract" xml:lang="en-US">Premiums Written</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsWrittenNetConsolidatedAbstract" xlink:to="label_us-gaap_PremiumsWrittenNetConsolidatedAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DirectPremiumsWritten" xlink:label="locator_us-gaap_DirectPremiumsWritten"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DirectPremiumsWritten" xml:lang="en-US">Direct premium</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DirectPremiumsWritten" xlink:to="label_us-gaap_DirectPremiumsWritten"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssumedPremiumsWritten" xlink:label="locator_us-gaap_AssumedPremiumsWritten"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AssumedPremiumsWritten" xml:lang="en-US">Assumed premium</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AssumedPremiumsWritten" xlink:to="label_us-gaap_AssumedPremiumsWritten"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CededPremiumWritten" xlink:label="locator_NODK_CededPremiumWritten"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_NODK_CededPremiumWritten" xml:lang="en-US">Ceded premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CededPremiumWritten" xml:lang="en-US">Amount of written premiums ceded to other entities, includes both credits and debits.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CededPremiumWritten" xml:lang="en-US">Longview Washington Refunding Taxable [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CededPremiumWritten" xlink:to="label_NODK_CededPremiumWritten"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsWrittenNet" xlink:label="locator_us-gaap_PremiumsWrittenNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_PremiumsWrittenNet" xml:lang="en-US">Net premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsWrittenNet" xml:lang="en-US">Premiums Written, Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsWrittenNet" xlink:to="label_us-gaap_PremiumsWrittenNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsurancePremiumsForInsuranceCompaniesByProductSegmentNetAmountAbstract" xlink:label="locator_us-gaap_ReinsurancePremiumsForInsuranceCompaniesByProductSegmentNetAmountAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsurancePremiumsForInsuranceCompaniesByProductSegmentNetAmountAbstract" xml:lang="en-US">Premiums Earned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsurancePremiumsForInsuranceCompaniesByProductSegmentNetAmountAbstract" xlink:to="label_us-gaap_ReinsurancePremiumsForInsuranceCompaniesByProductSegmentNetAmountAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DirectPremiumsEarned" xlink:label="locator_us-gaap_DirectPremiumsEarned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_DirectPremiumsEarned" xml:lang="en-US">Direct premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DirectPremiumsEarned" xml:lang="en-US">Direct premiums earned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DirectPremiumsEarned" xlink:to="label_us-gaap_DirectPremiumsEarned"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AssumedPremiumsEarned" xlink:label="locator_us-gaap_AssumedPremiumsEarned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_AssumedPremiumsEarned" xml:lang="en-US">Assumed premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AssumedPremiumsEarned" xml:lang="en-US">Assumed premiums earned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AssumedPremiumsEarned" xlink:to="label_us-gaap_AssumedPremiumsEarned"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CededPremiumsEarned" xlink:label="locator_us-gaap_CededPremiumsEarned"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_CededPremiumsEarned" xml:lang="en-US">Ceded premium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="label_us-gaap_CededPremiumsEarned" xml:lang="en-US">Ceded premiums earned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CededPremiumsEarned" xml:lang="en-US">Ceded Premiums Earned</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CededPremiumsEarned" xlink:to="label_us-gaap_CededPremiumsEarned"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsPercentageAssumedToNet" xlink:label="locator_us-gaap_PremiumsPercentageAssumedToNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsPercentageAssumedToNet" xml:lang="en-US">Percentage of assumed earned premium to direct earned premium</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsPercentageAssumedToNet" xlink:to="label_us-gaap_PremiumsPercentageAssumedToNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xlink:label="locator_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xml:lang="en-US">Direct losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xml:lang="en-US">Direct losses and LAE</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross" xlink:to="label_us-gaap_PolicyholderBenefitsAndClaimsIncurredGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed" xlink:label="locator_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed" xml:lang="en-US">Assumed losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed" xml:lang="en-US">Assumed losses and LAE</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed" xlink:to="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumed"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded" xlink:label="locator_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded" xml:lang="en-US">Ceded losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded" xml:lang="en-US">Ceded losses and LAE</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded" xml:lang="en-US">Policyholder Benefits and Claims Incurred, Ceded</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded" xlink:to="label_us-gaap_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountCeded"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:label="locator_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Liability for unpaid losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Liability for unpaid losses and loss adjustment expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Liability for Claims and Claims Adjustment Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense" xlink:to="label_us-gaap_LiabilityForClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" xlink:label="locator_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" xml:lang="en-US">Reinsurance Recoverable for Unpaid Claims and Claims Adjustments</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments" xlink:to="label_us-gaap_ReinsuranceRecoverableForUnpaidClaimsAndClaimsAdjustments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Net balance at beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Net balance at end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MovementInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetRollForward" xlink:label="locator_us-gaap_MovementInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetRollForward"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_MovementInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetRollForward" xml:lang="en-US">Acquired unpaid losses and loss adjustment expenses related to:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_MovementInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetRollForward" xlink:to="label_us-gaap_MovementInLiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseNetRollForward"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" xlink:label="locator_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Current year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Amount, after effects of reinsurance, of expense for acquired claims incurred in the current reporting period and related claims settlement costs.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense" xlink:to="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearAcquiredClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" xlink:label="locator_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Prior years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Amount, after effects of reinsurance, of expense (reversal of expense) for acquired claims incurred in prior reporting periods and related claims settlement costs.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense" xlink:to="label_NODK_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearAcquiredClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" xlink:label="locator_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" xml:lang="en-US">Total incurred</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" xml:lang="en-US">Amount, after effects of reinsurance, of expense (reversal of expense) for acquired claims incurred and costs incurred in the claim settlement process.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" xml:lang="en-US">States and Political Subdivisions General Obligations [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1" xlink:to="label_NODK_LiabilityForUnpaidClaimsAndAcquiredClaimsAdjustmentExpenseIncurredClaims1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract" xml:lang="en-US">Incurred related to:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaimsAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xlink:label="locator_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Current year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Current Year Claims and Claims Adjustment Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense" xlink:to="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersCurrentYearClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xlink:label="locator_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Prior years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xml:lang="en-US">Prior Year Claims and Claims Adjustment Expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense" xlink:to="label_us-gaap_SupplementalInformationForPropertyCasualtyInsuranceUnderwritersPriorYearClaimsAndClaimsAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xml:lang="en-US">Total Incurred</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract" xml:lang="en-US">Paid related to:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xml:lang="en-US">Current year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Current Year</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidCurrentYear1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xlink:label="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xml:lang="en-US">Prior years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid, Prior Years</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1" xlink:to="label_us-gaap_LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseClaimsPaidPriorYears1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:label="locator_us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xml:lang="en-US">Total paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xml:lang="en-US">Liability for Unpaid Claims and Claims Adjustment Expense, Claims Paid</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsForLossesAndLossAdjustmentExpense" xlink:to="label_us-gaap_PaymentsForLossesAndLossAdjustmentExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="label_us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GasGatheringAndProcessingEquipmentMember" xlink:label="locator_us-gaap_GasGatheringAndProcessingEquipmentMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GasGatheringAndProcessingEquipmentMember" xml:lang="en-US">Electronic data processing equipment [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GasGatheringAndProcessingEquipmentMember" xlink:to="label_us-gaap_GasGatheringAndProcessingEquipmentMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FurnitureAndFixturesMember" xlink:label="locator_us-gaap_FurnitureAndFixturesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FurnitureAndFixturesMember" xml:lang="en-US">Furniture and Fixtures [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FurnitureAndFixturesMember" xlink:to="label_us-gaap_FurnitureAndFixturesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AutomobilesMember" xlink:label="locator_us-gaap_AutomobilesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AutomobilesMember" xml:lang="en-US">Automobiles [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AutomobilesMember" xlink:to="label_us-gaap_AutomobilesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_RangeAxis" xlink:label="locator_srt_RangeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_RangeAxis" xml:lang="en-US">Range [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_srt_RangeAxis" xml:lang="en-US">Statistical Measurement [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_RangeAxis" xlink:to="label_srt_RangeAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MinimumMember" xlink:label="locator_srt_MinimumMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_MinimumMember" xml:lang="en-US">Minimum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_MinimumMember" xlink:to="label_srt_MinimumMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_MaximumMember" xlink:label="locator_srt_MaximumMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_MaximumMember" xml:lang="en-US">Maximum [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_MaximumMember" xlink:to="label_srt_MaximumMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentGross" xml:lang="en-US">Cost:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentGross" xlink:to="label_us-gaap_PropertyPlantAndEquipmentGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US">Accumulated depreciation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="label_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="locator_us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PropertyPlantAndEquipmentUsefulLife" xml:lang="en-US">Estimated Useful Life</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="label_us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Depreciation" xlink:label="locator_us-gaap_Depreciation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Depreciation" xml:lang="en-US">Depreciation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Depreciation" xlink:to="label_us-gaap_Depreciation"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfGoodwillTable" xlink:label="locator_us-gaap_ScheduleOfGoodwillTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfGoodwillTable" xml:lang="en-US">Schedule of Goodwill [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfGoodwillTable" xlink:to="label_us-gaap_ScheduleOfGoodwillTable"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PrimeroInsuranceCompanyMember" xlink:label="locator_NODK_PrimeroInsuranceCompanyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PrimeroInsuranceCompanyMember" xml:lang="en-US">Primero Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PrimeroInsuranceCompanyMember" xml:lang="en-US">Primero Insurance Company [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PrimeroInsuranceCompanyMember" xlink:to="label_NODK_PrimeroInsuranceCompanyMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GoodwillLineItems" xlink:label="locator_us-gaap_GoodwillLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GoodwillLineItems" xml:lang="en-US">Goodwill [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GoodwillLineItems" xlink:to="label_us-gaap_GoodwillLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:label="locator_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="label_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="locator_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xml:lang="en-US">Indefinite-lived Intangible Assets [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="label_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_SubjectToAmortizationMember" xlink:label="locator_NODK_SubjectToAmortizationMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_SubjectToAmortizationMember" xml:lang="en-US">Subject to Amortization [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_SubjectToAmortizationMember" xml:lang="en-US">Subject to Amortization [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_SubjectToAmortizationMember" xlink:to="label_NODK_SubjectToAmortizationMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NotSubjectToAmortizationStateInsuranceLicensesMember" xlink:label="locator_NODK_NotSubjectToAmortizationStateInsuranceLicensesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NotSubjectToAmortizationStateInsuranceLicensesMember" xml:lang="en-US">Not Subject to Amortization - State Insurance Licenses [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_NotSubjectToAmortizationStateInsuranceLicensesMember" xml:lang="en-US">Not Subject to Amortization - State Insurance Licenses [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NotSubjectToAmortizationStateInsuranceLicensesMember" xlink:to="label_NODK_NotSubjectToAmortizationStateInsuranceLicensesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_TradeNamesMember" xlink:label="locator_us-gaap_TradeNamesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_TradeNamesMember" xml:lang="en-US">Trade Names [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_TradeNamesMember" xlink:to="label_us-gaap_TradeNamesMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DistributionNetworkMember" xlink:label="locator_NODK_DistributionNetworkMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DistributionNetworkMember" xml:lang="en-US">Distribution Network [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_DistributionNetworkMember" xml:lang="en-US">Distribution Network [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DistributionNetworkMember" xlink:to="label_NODK_DistributionNetworkMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AcquiredEntityValueMember" xlink:label="locator_NODK_AcquiredEntityValueMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AcquiredEntityValueMember" xml:lang="en-US">Value of Business Acquired [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_AcquiredEntityValueMember" xml:lang="en-US">Value of Business Acquired [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AcquiredEntityValueMember" xlink:to="label_NODK_AcquiredEntityValueMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherIntangibleAssetsMember" xlink:label="locator_us-gaap_OtherIntangibleAssetsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherIntangibleAssetsMember" xml:lang="en-US">Other [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherIntangibleAssetsMember" xlink:to="label_us-gaap_OtherIntangibleAssetsMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:label="locator_us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsLineItems" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="locator_us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsGross" xml:lang="en-US">Gross Carrying Amount</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="locator_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xml:lang="en-US">Accumulated Amortization</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="locator_us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US">Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_FiniteLivedIntangibleAssetsNet" xml:lang="en-US">Finite-Lived Intangible Assets, Net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="label_us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="locator_us-gaap_AmortizationOfIntangibleAssets"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US">Amortization expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AmortizationOfIntangibleAssets" xlink:to="label_us-gaap_AmortizationOfIntangibleAssets"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:label="locator_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xml:lang="en-US">Schedule of Related Party Transactions, by Related Party [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="label_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:label="locator_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xml:lang="en-US">Related Party [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="label_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NorthDakotaFarmBureauMember" xlink:label="locator_NODK_NorthDakotaFarmBureauMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NorthDakotaFarmBureauMember" xml:lang="en-US">NDFB [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_NorthDakotaFarmBureauMember" xml:lang="en-US">NDFB [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NorthDakotaFarmBureauMember" xlink:to="label_NODK_NorthDakotaFarmBureauMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DirectAutoInsuranceCompanyMember" xlink:label="locator_NODK_DirectAutoInsuranceCompanyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DirectAutoInsuranceCompanyMember" xml:lang="en-US">Direct Auto Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_DirectAutoInsuranceCompanyMember" xml:lang="en-US">Direct Auto Insurance Company [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DirectAutoInsuranceCompanyMember" xlink:to="label_NODK_DirectAutoInsuranceCompanyMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_WestminsterInsuranceCompanyMember" xlink:label="locator_NODK_WestminsterInsuranceCompanyMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_WestminsterInsuranceCompanyMember" xml:lang="en-US">Westminster Insurance Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_WestminsterInsuranceCompanyMember" xml:lang="en-US">Westminster Insurance Company [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_WestminsterInsuranceCompanyMember" xlink:to="label_NODK_WestminsterInsuranceCompanyMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_BoardOfDirectorsMember" xlink:label="locator_NODK_BoardOfDirectorsMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_BoardOfDirectorsMember" xml:lang="en-US">Board of Directors [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_BoardOfDirectorsMember" xml:lang="en-US">Board Of Directors [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_BoardOfDirectorsMember" xlink:to="label_NODK_BoardOfDirectorsMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RelatedPartyTransactionLineItems" xlink:label="locator_us-gaap_RelatedPartyTransactionLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RelatedPartyTransactionLineItems" xml:lang="en-US">Related Party Transaction [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RelatedPartyTransactionLineItems" xlink:to="label_us-gaap_RelatedPartyTransactionLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PaymentsForRoyalties" xlink:label="locator_us-gaap_PaymentsForRoyalties"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PaymentsForRoyalties" xml:lang="en-US">Royalties</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PaymentsForRoyalties" xlink:to="label_us-gaap_PaymentsForRoyalties"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedRoyaltiesCurrent" xlink:label="locator_us-gaap_AccruedRoyaltiesCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccruedRoyaltiesCurrent" xml:lang="en-US">Accrued royalties</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccruedRoyaltiesCurrent" xlink:to="label_us-gaap_AccruedRoyaltiesCurrent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RevenueFromRelatedParties" xlink:label="locator_us-gaap_RevenueFromRelatedParties"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RevenueFromRelatedParties" xml:lang="en-US">Related party revenues</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RevenueFromRelatedParties" xlink:to="label_us-gaap_RevenueFromRelatedParties"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CostsAndExpensesRelatedParty" xlink:label="locator_us-gaap_CostsAndExpensesRelatedParty"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CostsAndExpensesRelatedParty" xml:lang="en-US">Related party expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CostsAndExpensesRelatedParty" xlink:to="label_us-gaap_CostsAndExpensesRelatedParty"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Dividends" xlink:label="locator_us-gaap_Dividends"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Dividends" xml:lang="en-US">Payment of dividends</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Dividends" xlink:to="label_us-gaap_Dividends"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CashAndCashEquivalentsOverdraft" xlink:label="locator_NODK_CashAndCashEquivalentsOverdraft"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_NODK_CashAndCashEquivalentsOverdraft" xml:lang="en-US">Cash and cash equivalents (overdraft)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CashAndCashEquivalentsOverdraft" xml:lang="en-US">The value of cash and cash equivalents or overdraft as of the reporting date.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CashAndCashEquivalentsOverdraft" xml:lang="en-US">Longview Washington Refunding Taxable [Member] [Default Label]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CashAndCashEquivalentsOverdraft" xlink:to="label_NODK_CashAndCashEquivalentsOverdraft"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_Investments" xlink:label="locator_us-gaap_Investments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_Investments" xml:lang="en-US">Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_Investments" xml:lang="en-US">Investments [Default Label]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_Investments" xlink:to="label_us-gaap_Investments"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PremiumsReceivableGross" xlink:label="locator_us-gaap_PremiumsReceivableGross"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_PremiumsReceivableGross" xml:lang="en-US">Premiums and agents' balances receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PremiumsReceivableGross" xml:lang="en-US">Premiums Receivable, Gross</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PremiumsReceivableGross" xlink:to="label_us-gaap_PremiumsReceivableGross"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PrepaidReinsurancePremiums" xlink:label="locator_us-gaap_PrepaidReinsurancePremiums"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PrepaidReinsurancePremiums" xml:lang="en-US">Reinsurance premiums receivable (eliminated in consolidation)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PrepaidReinsurancePremiums" xlink:to="label_us-gaap_PrepaidReinsurancePremiums"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsuranceRecoverables" xlink:label="locator_us-gaap_ReinsuranceRecoverables"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ReinsuranceRecoverables" xml:lang="en-US">Reinsurance recoverables on losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsuranceRecoverables" xml:lang="en-US">Reinsurance Recoverables, Including Reinsurance Premium Paid</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsuranceRecoverables" xlink:to="label_us-gaap_ReinsuranceRecoverables"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredIncomeTaxAssetsNet" xlink:label="locator_us-gaap_DeferredIncomeTaxAssetsNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredIncomeTaxAssetsNet" xml:lang="en-US">Deferred income tax asset, net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="label_us-gaap_DeferredIncomeTaxAssetsNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_NotesPayable" xlink:label="locator_us-gaap_NotesPayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_NotesPayable" xml:lang="en-US">Notes payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_NotesPayable" xlink:to="label_us-gaap_NotesPayable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ReinsurancePayable" xlink:label="locator_us-gaap_ReinsurancePayable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ReinsurancePayable" xml:lang="en-US">Reinsurance premiums payable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ReinsurancePayable" xml:lang="en-US">Reinsurance Payable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ReinsurancePayable" xlink:to="label_us-gaap_ReinsurancePayable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AccruedLiabilitiesAndOtherLiabilities" xlink:label="locator_us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_AccruedLiabilitiesAndOtherLiabilities" xml:lang="en-US">Accrued expenses and other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AccruedLiabilitiesAndOtherLiabilities" xml:lang="en-US">Accrued Liabilities and Other Liabilities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AccruedLiabilitiesAndOtherLiabilities" xlink:to="label_us-gaap_AccruedLiabilitiesAndOtherLiabilities"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="locator_us-gaap_StockholdersEquity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_StockholdersEquity" xml:lang="en-US">Total shareholders' equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockholdersEquity" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockholdersEquity" xlink:to="label_us-gaap_StockholdersEquity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_MultiemployerPlanPensionInsignificantEmployerContributionCost" xlink:label="locator_us-gaap_MultiemployerPlanPensionInsignificantEmployerContributionCost"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_MultiemployerPlanPensionInsignificantEmployerContributionCost" xml:lang="en-US">Company's Total contribution to the profit sharing plan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_MultiemployerPlanPensionInsignificantEmployerContributionCost" xlink:to="label_us-gaap_MultiemployerPlanPensionInsignificantEmployerContributionCost"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:label="locator_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xml:lang="en-US">Employee contribution in percentage</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent" xlink:to="label_us-gaap_DefinedContributionPlanMaximumAnnualContributionsPerEmployeePercent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:label="locator_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xml:lang="en-US">Company's total contributions to the 401(k) plan</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount" xlink:to="label_us-gaap_DefinedContributionPlanEmployerDiscretionaryContributionAmount"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_FundsDepositedInDeferredCompensation" xlink:label="locator_NODK_FundsDepositedInDeferredCompensation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_FundsDepositedInDeferredCompensation" xml:lang="en-US">Funds deposited in deferred compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_FundsDepositedInDeferredCompensation" xml:lang="en-US">Funds deposited in deferred compensation.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_FundsDepositedInDeferredCompensation" xlink:to="label_NODK_FundsDepositedInDeferredCompensation"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:label="locator_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xml:lang="en-US">Compensation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense" xlink:to="label_us-gaap_EmployeeStockOwnershipPlanESOPCompensationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:label="locator_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xml:lang="en-US">ESOP shares were released and allocated</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares" xlink:to="label_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfAllocatedShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:label="locator_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xml:lang="en-US">ESOP shares in suspense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares" xlink:to="label_us-gaap_EmployeeStockOwnershipPlanESOPNumberOfSuspenseShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased" xlink:label="locator_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased" xml:lang="en-US">Market price</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased" xlink:to="label_us-gaap_EmployeeStockOwnershipPlanESOPWeightedAveragePurchasePriceOfSharesPurchased"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:label="locator_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xml:lang="en-US">Fair value of unearned ESOP shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue" xlink:to="label_us-gaap_EmployeeStockOwnershipPlanESOPDeferredSharesFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LongTermDebt" xlink:label="locator_us-gaap_LongTermDebt"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LongTermDebt" xml:lang="en-US">Debt from ESOP</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LongTermDebt" xlink:to="label_us-gaap_LongTermDebt"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtInstrumentTerm" xlink:label="locator_us-gaap_DebtInstrumentTerm"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DebtInstrumentTerm" xml:lang="en-US">Debt term</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DebtInstrumentTerm" xlink:to="label_us-gaap_DebtInstrumentTerm"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="locator_us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DebtInstrumentInterestRateStatedPercentage" xml:lang="en-US">Interest rate</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="label_us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PercentageOfEsopInAuthorizedShares" xlink:label="locator_NODK_PercentageOfEsopInAuthorizedShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfEsopInAuthorizedShares" xml:lang="en-US">Percentage of ESOP in authorized shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfEsopInAuthorizedShares" xml:lang="en-US">Percentage of ESOP in authorized shares.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfEsopInAuthorizedShares" xlink:to="label_NODK_PercentageOfEsopInAuthorizedShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CommonStockNoParValue" xlink:label="locator_us-gaap_CommonStockNoParValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CommonStockNoParValue" xml:lang="en-US">Per share price</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CommonStockNoParValue" xlink:to="label_us-gaap_CommonStockNoParValue"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DeferredCompensationPlanExpenses" xlink:label="locator_NODK_DeferredCompensationPlanExpenses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DeferredCompensationPlanExpenses" xml:lang="en-US">Deferred compensation plan expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_DeferredCompensationPlanExpenses" xml:lang="en-US">Deferred Compensation Plan Expenses.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DeferredCompensationPlanExpenses" xlink:to="label_NODK_DeferredCompensationPlanExpenses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="locator_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xml:lang="en-US">Line of credit with Wells Fargo</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="label_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet" xlink:label="locator_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet" xml:lang="en-US">Line of credit increased</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet" xlink:to="label_us-gaap_LineOfCreditFacilityIncreaseDecreaseForPeriodNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="locator_us-gaap_LineOfCreditFacilityExpirationDate1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LineOfCreditFacilityExpirationDate1" xml:lang="en-US">Line of credit expiration date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LineOfCreditFacilityExpirationDate1" xlink:to="label_us-gaap_LineOfCreditFacilityExpirationDate1"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_WestminsterMember" xlink:label="locator_NODK_WestminsterMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_WestminsterMember" xml:lang="en-US">Westminster [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_WestminsterMember" xml:lang="en-US">Westminster [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_WestminsterMember" xlink:to="label_NODK_WestminsterMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLossCarryforwards" xlink:label="locator_us-gaap_OperatingLossCarryforwards"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLossCarryforwards" xml:lang="en-US">Net operating loss carryover</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLossCarryforwards" xlink:to="label_us-gaap_OperatingLossCarryforwards"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsCapitalLossCarryforwards" xlink:label="locator_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards" xml:lang="en-US">Net capital loss carryovers</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards" xlink:to="label_us-gaap_DeferredTaxAssetsCapitalLossCarryforwards"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_DeferredTaxAssetsOtherLossCarryforwards" xlink:label="locator_us-gaap_DeferredTaxAssetsOtherLossCarryforwards"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_DeferredTaxAssetsOtherLossCarryforwards" xml:lang="en-US">Net capital loss carryovers expired</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_DeferredTaxAssetsOtherLossCarryforwards" xlink:to="label_us-gaap_DeferredTaxAssetsOtherLossCarryforwards"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:label="locator_us-gaap_OperatingLossCarryforwardsExpirationDate"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLossCarryforwardsExpirationDate" xml:lang="en-US">Expiration date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLossCarryforwardsExpirationDate" xlink:to="label_us-gaap_OperatingLossCarryforwardsExpirationDate"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnrecognizedTaxBenefits" xlink:label="locator_us-gaap_UnrecognizedTaxBenefits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_UnrecognizedTaxBenefits" xml:lang="en-US">Unrecognized tax benefits</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_UnrecognizedTaxBenefits" xlink:to="label_us-gaap_UnrecognizedTaxBenefits"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xlink:label="locator_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xml:lang="en-US">Interest and penalties</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xlink:to="label_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfOperatingLeasedAssetsTable" xlink:label="locator_us-gaap_ScheduleOfOperatingLeasedAssetsTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfOperatingLeasedAssetsTable" xml:lang="en-US">Schedule of Operating Leased Assets [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfOperatingLeasedAssetsTable" xlink:to="label_us-gaap_ScheduleOfOperatingLeasedAssetsTable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_CounterpartyNameAxis" xlink:label="locator_srt_CounterpartyNameAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_CounterpartyNameAxis" xml:lang="en-US">Counterparty Name [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_CounterpartyNameAxis" xlink:to="label_srt_CounterpartyNameAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PrimeorSubsidiaryLeaseMember" xlink:label="locator_NODK_PrimeorSubsidiaryLeaseMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PrimeorSubsidiaryLeaseMember" xml:lang="en-US">Primero Subsidiary Lease [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PrimeorSubsidiaryLeaseMember" xml:lang="en-US">Primero Subsidiary Lease [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PrimeorSubsidiaryLeaseMember" xlink:to="label_NODK_PrimeorSubsidiaryLeaseMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DirectAutoSubsidiaryLeaseMember" xlink:label="locator_NODK_DirectAutoSubsidiaryLeaseMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DirectAutoSubsidiaryLeaseMember" xml:lang="en-US">Direct Auto Subsidiary Lease [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_DirectAutoSubsidiaryLeaseMember" xml:lang="en-US">Direct Auto Subsidiary Lease [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DirectAutoSubsidiaryLeaseMember" xlink:to="label_NODK_DirectAutoSubsidiaryLeaseMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasedAssetsLineItems" xlink:label="locator_us-gaap_OperatingLeasedAssetsLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasedAssetsLineItems" xml:lang="en-US">Operating Leased Assets [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasedAssetsLineItems" xlink:to="label_us-gaap_OperatingLeasedAssetsLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesRentExpenseNet" xlink:label="locator_us-gaap_OperatingLeasesRentExpenseNet"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesRentExpenseNet" xml:lang="en-US">Operating lease expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesRentExpenseNet" xlink:to="label_us-gaap_OperatingLeasesRentExpenseNet"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LeaseExpirationDate1" xlink:label="locator_us-gaap_LeaseExpirationDate1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LeaseExpirationDate1" xml:lang="en-US">Lease expiration date</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LeaseExpirationDate1" xlink:to="label_us-gaap_LeaseExpirationDate1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xml:lang="en-US">2020</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xml:lang="en-US">2021</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xml:lang="en-US">2022</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xml:lang="en-US">2023</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xml:lang="en-US">2024</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:label="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xml:lang="en-US">Thereafter</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter" xlink:to="label_us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_StatementScenarioAxis" xlink:label="locator_srt_StatementScenarioAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_StatementScenarioAxis" xml:lang="en-US">Scenario [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_StatementScenarioAxis" xlink:to="label_srt_StatementScenarioAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AdditionalAuthorizationMember" xlink:label="locator_NODK_AdditionalAuthorizationMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AdditionalAuthorizationMember" xml:lang="en-US">Additional Authorization [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AdditionalAuthorizationMember" xlink:to="label_NODK_AdditionalAuthorizationMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_FirstAuthorizationMember" xlink:label="locator_NODK_FirstAuthorizationMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_FirstAuthorizationMember" xml:lang="en-US">First Authorization [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_FirstAuthorizationMember" xlink:to="label_NODK_FirstAuthorizationMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:label="locator_us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xml:lang="en-US">Authorization for repurchase of shares value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockRepurchaseProgramAuthorizedAmount1" xlink:to="label_us-gaap_StockRepurchaseProgramAuthorizedAmount1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:label="locator_us-gaap_StockRepurchasedDuringPeriodShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockRepurchasedDuringPeriodShares" xml:lang="en-US">Shares repurchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_StockRepurchasedDuringPeriodShares" xml:lang="en-US">Treasury shares repurchased through stock repurchase authorization</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="label_us-gaap_StockRepurchasedDuringPeriodShares"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SharesOutstanding" xlink:label="locator_us-gaap_SharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_SharesOutstanding" xml:lang="en-US">Shares outstanding, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_SharesOutstanding" xml:lang="en-US">Shares outstanding, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SharesOutstanding" xml:lang="en-US">Shares, Outstanding</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SharesOutstanding" xlink:to="label_us-gaap_SharesOutstanding"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="locator_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xml:lang="en-US">Initial public offering</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="label_us-gaap_StockIssuedDuringPeriodSharesNewIssues"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" xlink:label="locator_NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" xml:lang="en-US">Shares repurchased related to employee stock ownership plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" xml:lang="en-US">Shares repurchased related to employee stock ownership plan.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares" xlink:to="label_NODK_EmployeeStockOwnershipPlanESOPRepurchaseObligationShares"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" xlink:label="locator_NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" xml:lang="en-US">Issuance of treasury shares for vesting of restricted stock units</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" xml:lang="en-US">Issuance of treasury shares for vesting of restricted stock units.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits" xlink:to="label_NODK_IssuanceOfTreasurySharesForVestingOfRestrictedStockUnits"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xml:lang="en-US">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="label_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="locator_us-gaap_AwardTypeAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AwardTypeAxis" xml:lang="en-US">Award Type [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AwardTypeAxis" xlink:to="label_us-gaap_AwardTypeAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StockCompensationPlanMember" xlink:label="locator_us-gaap_StockCompensationPlanMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StockCompensationPlanMember" xml:lang="en-US">All award [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StockCompensationPlanMember" xlink:to="label_us-gaap_StockCompensationPlanMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_RestrictedStockMember" xlink:label="locator_us-gaap_RestrictedStockMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_RestrictedStockMember" xml:lang="en-US">Restricted Stock [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_RestrictedStockMember" xlink:to="label_us-gaap_RestrictedStockMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_PerformanceSharesMember" xlink:label="locator_us-gaap_PerformanceSharesMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_PerformanceSharesMember" xml:lang="en-US">Performance Stock Units [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_PerformanceSharesMember" xlink:to="label_us-gaap_PerformanceSharesMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_TitleOfIndividualAxis" xlink:label="locator_srt_TitleOfIndividualAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_TitleOfIndividualAxis" xml:lang="en-US">Title Of Individual [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_srt_TitleOfIndividualAxis" xml:lang="en-US">Title of Individual [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_TitleOfIndividualAxis" xlink:to="label_srt_TitleOfIndividualAxis"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/srt/2020/elts/srt-2020-01-31.xsd#srt_DirectorMember" xlink:label="locator_srt_DirectorMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_srt_DirectorMember" xml:lang="en-US">Director [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_srt_DirectorMember" xlink:to="label_srt_DirectorMember"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SharesIssued" xlink:label="locator_us-gaap_SharesIssued"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SharesIssued" xml:lang="en-US">Share issued</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SharesIssued" xlink:to="label_us-gaap_SharesIssued"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Shares granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">RSUs granted during 2019</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xml:lang="en-US">Grants (at target)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xml:lang="en-US">Vesting period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:label="locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xml:lang="en-US">Total unrecognized compensation cost</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:to="label_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:label="locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xml:lang="en-US">Total unrecognized compensation cost, weighted average period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1" xlink:to="label_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xml:lang="en-US">Outstanding, Aggregate Intrinsic Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ShareGrantedNotExceed" xlink:label="locator_NODK_ShareGrantedNotExceed"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ShareGrantedNotExceed" xml:lang="en-US">Share granted not exceed</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ShareGrantedNotExceed" xml:lang="en-US">Share granted not exceed.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ShareGrantedNotExceed" xlink:to="label_NODK_ShareGrantedNotExceed"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PercentageOfGrantedSharesToEmployeesPerYear" xlink:label="locator_NODK_PercentageOfGrantedSharesToEmployeesPerYear"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfGrantedSharesToEmployeesPerYear" xml:lang="en-US">Percentage of RSU granted to employees per year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfGrantedSharesToEmployeesPerYear" xml:lang="en-US">Percentage of RSU granted to employees per year.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfGrantedSharesToEmployeesPerYear" xlink:to="label_NODK_PercentageOfGrantedSharesToEmployeesPerYear"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" xlink:label="locator_NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" xml:lang="en-US">Percentage of RSU granted to non-employee directors per year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" xml:lang="en-US">Percentage of RSU granted to non-employee directors per year.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear" xlink:to="label_NODK_PercentageOfRsuGrantedToNonemployeeDirectorsPerYear"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xml:lang="en-US">Shares</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber" xml:lang="en-US">Units outstanding at Begning</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber" xml:lang="en-US">Units outstanding at Ending</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Non-Option Equity Instruments, Outstanding, Number</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingNumber"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US">RSUs earned during 2019</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US">Forfeited</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US">Weighted Average Grant-Date Fair Value Per Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xml:lang="en-US">Weighted Average Grant Date Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Units outstanding at Begning</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Units outstanding at Ending</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">RSUs granted during 2020</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">Grants (at target)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xml:lang="en-US">RSUs earned during 2020</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xml:lang="en-US">Forfeited</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:label="locator_us-gaap_AllocatedShareBasedCompensationExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AllocatedShareBasedCompensationExpense" xml:lang="en-US">RSU compensation expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_AllocatedShareBasedCompensationExpense" xml:lang="en-US">PSU compensation expense</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AllocatedShareBasedCompensationExpense" xlink:to="label_us-gaap_AllocatedShareBasedCompensationExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:label="locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="label_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xml:lang="en-US">Income tax benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xml:lang="en-US">Adjustments to Additional Paid in Capital, Income Tax Benefit from Share-based Compensation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation" xlink:to="label_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xlink:label="locator_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xml:lang="en-US">RSU compensation expense, net of income taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xml:lang="en-US">PSU compensation expense, net of income taxes</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xlink:to="label_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1" xlink:label="locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1" xml:lang="en-US">Total grant-date fair value of vested RSUs at end of period</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1" xlink:to="label_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Weighted average shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xml:lang="en-US">Number of shares used in basic computation</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="label_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EarningsPerShareBasicAbstract" xlink:label="locator_us-gaap_EarningsPerShareBasicAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EarningsPerShareBasicAbstract" xml:lang="en-US">Basic earnings (loss) per common share:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EarningsPerShareBasicAbstract" xlink:to="label_us-gaap_EarningsPerShareBasicAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NumeratorAbstract" xlink:label="locator_NODK_NumeratorAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NumeratorAbstract" xml:lang="en-US">Numerator:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NumeratorAbstract" xlink:to="label_NODK_NumeratorAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DenominatorAbstract" xlink:label="locator_NODK_DenominatorAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_DenominatorAbstract" xml:lang="en-US">Denominator:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DenominatorAbstract" xlink:to="label_NODK_DenominatorAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EarningsPerShareDilutedAbstract" xlink:label="locator_us-gaap_EarningsPerShareDilutedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EarningsPerShareDilutedAbstract" xml:lang="en-US">Diluted earnings (loss) per common share:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EarningsPerShareDilutedAbstract" xlink:to="label_us-gaap_EarningsPerShareDilutedAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NumeratorDilutedAbstract" xlink:label="locator_NODK_NumeratorDilutedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_NumeratorDilutedAbstract" xml:lang="en-US">Numerator:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NumeratorDilutedAbstract" xlink:to="label_NODK_NumeratorDilutedAbstract"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_DenominatorDilutedAbstract" xlink:label="locator_NODK_DenominatorDilutedAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_DenominatorDilutedAbstract" xml:lang="en-US">Denominator:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_DenominatorDilutedAbstract" xlink:to="label_NODK_DenominatorDilutedAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:label="locator_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xml:lang="en-US">Weighted average effect of dilutive securities</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="label_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPeriodIncreaseDecrease" xlink:label="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPeriodIncreaseDecrease"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPeriodIncreaseDecrease" xml:lang="en-US">Add: Restricted stock units and performance share units</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPeriodIncreaseDecrease" xlink:to="label_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsPeriodIncreaseDecrease"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Number of shares used in diluted computation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="label_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="locator_us-gaap_EarningsPerShareDiluted"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted earnings (loss) per common share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings Per Share, Diluted</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_EarningsPerShareDiluted" xlink:to="label_us-gaap_EarningsPerShareDiluted"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_StatementBusinessSegmentsAxis" xlink:label="locator_us-gaap_StatementBusinessSegmentsAxis"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_StatementBusinessSegmentsAxis" xml:lang="en-US">Segments [Axis]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_StatementBusinessSegmentsAxis" xlink:to="label_us-gaap_StatementBusinessSegmentsAxis"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_PrivatePassengerAutoMember" xlink:label="locator_NODK_PrivatePassengerAutoMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_PrivatePassengerAutoMember" xml:lang="en-US">Private Passenger Auto [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_PrivatePassengerAutoMember" xml:lang="en-US">Private Passenger Auto [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_PrivatePassengerAutoMember" xlink:to="label_NODK_PrivatePassengerAutoMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NonStandardAutoMember" xlink:label="locator_NODK_NonStandardAutoMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NonStandardAutoMember" xml:lang="en-US">Non Standard Auto [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_NonStandardAutoMember" xml:lang="en-US">Non-standard auto [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NonStandardAutoMember" xlink:to="label_NODK_NonStandardAutoMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_HomeAndFarmMember" xlink:label="locator_NODK_HomeAndFarmMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_HomeAndFarmMember" xml:lang="en-US">Home and Farm [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_HomeAndFarmMember" xml:lang="en-US">Home and Farm [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_HomeAndFarmMember" xlink:to="label_NODK_HomeAndFarmMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CropMember" xlink:label="locator_NODK_CropMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CropMember" xml:lang="en-US">Crop [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CropMember" xml:lang="en-US">Crop [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CropMember" xlink:to="label_NODK_CropMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CommercialMember" xlink:label="locator_NODK_CommercialMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CommercialMember" xml:lang="en-US">Commercial [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CommercialMember" xml:lang="en-US">Commercial [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CommercialMember" xlink:to="label_NODK_CommercialMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AllOtherMember" xlink:label="locator_NODK_AllOtherMember"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AllOtherMember" xml:lang="en-US">All Other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_AllOtherMember" xml:lang="en-US">All Other [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AllOtherMember" xlink:to="label_NODK_AllOtherMember"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_AssumedPremiumsEarnedCredited" xlink:label="locator_NODK_AssumedPremiumsEarnedCredited"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_AssumedPremiumsEarnedCredited" xml:lang="en-US">Assumed premiums earned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_AssumedPremiumsEarnedCredited" xml:lang="en-US">Amount of assumed premiums assumed or credited from other entities.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_AssumedPremiumsEarnedCredited" xml:lang="en-US">AssumedPremiumsEarnedCredited</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_AssumedPremiumsEarnedCredited" xlink:to="label_NODK_AssumedPremiumsEarnedCredited"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CededPremiumsEarnedOrCredited" xlink:label="locator_NODK_CededPremiumsEarnedOrCredited"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CededPremiumsEarnedOrCredited" xml:lang="en-US">Ceded premiums earned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CededPremiumsEarnedOrCredited" xml:lang="en-US">Amount of earned premiums ceded or credited to other entities.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CededPremiumsEarnedOrCredited" xlink:to="label_NODK_CededPremiumsEarnedOrCredited"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" xlink:label="locator_NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" xml:lang="en-US">Assumed lossed and LAE</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" xml:lang="en-US">Amount of policy benefits and costs incurred for policies assumed/debited.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited" xlink:to="label_NODK_ReinsuranceEffectOnClaimsAndBenefitsIncurredAmountAssumedOrDebited"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_CededLosses" xlink:label="locator_NODK_CededLosses"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_CededLosses" xml:lang="en-US">Ceded losses and LAE</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_CededLosses" xml:lang="en-US">Ceded losses and LAE.</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_CededLosses" xlink:to="label_NODK_CededLosses"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GrossProfit" xlink:label="locator_us-gaap_GrossProfit"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GrossProfit" xml:lang="en-US">Gross margin</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GrossProfit" xlink:to="label_us-gaap_GrossProfit"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_GeneralInsuranceExpense" xlink:label="locator_us-gaap_GeneralInsuranceExpense"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_GeneralInsuranceExpense" xml:lang="en-US">Underwriting and general expenses</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_GeneralInsuranceExpense" xlink:to="label_us-gaap_GeneralInsuranceExpense"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xml:lang="en-US">Underwriting gain (loss)</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:to="label_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_FeeAndOtherIncome" xlink:label="locator_NODK_FeeAndOtherIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_FeeAndOtherIncome" xml:lang="en-US">Fee and other income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_FeeAndOtherIncome" xml:lang="en-US">Fee and other income.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_FeeAndOtherIncome" xml:lang="en-US">Pacific Northwest Capital Corporation [Member]</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_FeeAndOtherIncome" xlink:to="label_NODK_FeeAndOtherIncome"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_OtherIncome" xlink:label="locator_us-gaap_OtherIncome"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_OtherIncome" xml:lang="en-US">Other income net</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_OtherIncome" xlink:to="label_us-gaap_OtherIncome"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_NongaapRatiosAbstract" xlink:label="locator_NODK_NongaapRatiosAbstract"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_NongaapRatiosAbstract" xml:lang="en-US">Non-GAAP Ratios:</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_NongaapRatiosAbstract" xlink:to="label_NODK_NongaapRatiosAbstract"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_LossRatio" xlink:label="locator_us-gaap_LossRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_LossRatio" xml:lang="en-US">Loss and LAE ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_LossRatio" xlink:to="label_us-gaap_LossRatio"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_UnderwritingExpenseRatio" xlink:label="locator_us-gaap_UnderwritingExpenseRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_UnderwritingExpenseRatio" xml:lang="en-US">Expense ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_UnderwritingExpenseRatio" xlink:to="label_us-gaap_UnderwritingExpenseRatio"/>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2020/elts/us-gaap-2020-01-31.xsd#us-gaap_CombinedRatio" xlink:label="locator_us-gaap_CombinedRatio"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_us-gaap_CombinedRatio" xml:lang="en-US">Combined ratio</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_us-gaap_CombinedRatio" xlink:to="label_us-gaap_CombinedRatio"/>
    <loc xlink:type="locator" xlink:href="nodk-20200930.xsd#NODK_ReinsuranceRecoverable" xlink:label="locator_NODK_ReinsuranceRecoverable"/>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="label_NODK_ReinsuranceRecoverable" xml:lang="en-US">Reinsurance recoverables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="label_NODK_ReinsuranceRecoverable" xml:lang="en-US">Reinsurance recoverables.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="label_NODK_ReinsuranceRecoverable" xml:lang="en-US">ReinsuranceRecoverable</label>
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="locator_NODK_ReinsuranceRecoverable" xlink:to="label_NODK_ReinsuranceRecoverable"/>
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