Environmental

Combining your tools with our talent.

Our boiler and machinery insurance experts work side by side with you, taking time to truly understand your business, growth patterns and goals to precisely assess your opportunities and your risks, then together we explore how to mitigate, reduce or eliminate exposures while proactively capitalizing on your connections and circumstances.We’re in the business of mitigating risk, and our professionals have the depth of experience necessary to cover you across the ins and outs of your specific operation. Our expertise spans across industries and sectors to provide thorough, custom-built insurance solutions to firms both large and small, from local agencies to multinational companies and international conglomerates.Our goal is to help you keep your operation moving forward – even in the face of interruption – with in-depth coverage expertise including: Equipment breakdown Flood General liability Physical damage Pollution liability Real and business personal property Spillage/contamination Utility services Talk with us today about setting up comprehensive protection for your machinery, materials and setups. Let’s put the perfect plan in place that’ll keep you working through times of trouble.

Building a better world.

Unfortunately, opportunity always comes with new risk. Regulations and contractual arrangements are increasingly complex, and managing relationships with municipalities requires time and effort. Integrated construction/design approaches and new technologies bring new uncertainties. Every new project brings new exposures.Broadening and bolstering your portfolio and projects requires the support of a team dedicated to the construction industry, with solutions that protect owners and developers of commercial, industrial and residential properties against a variety of risks.As an owner or developer of real property assets there's a lot to keep track of and a lot at stake. NFP’s construction experts offer specialized, market-leading capabilities to owners and developers of construction assets.We can help you answer key questions, such as: How can I evaluate the insurance I am being quoted from my General Contractor? How can I do more to enhance safety for my team? Am I getting the advocacy I need to effectively manage claims? Is an Owner Controlled Insurance Program (OCIP) an option to consider? How can I evaluate the Contractor Controlled Insurance Program (CCIP)?NFP supports companies in the construction space with experts dedicated to addressing the challenges and opportunities owners and developers face. We work as your all-in-one risk management team, absorbing your business strategy and examining all areas of exposure through that lens, working to understand your risks, prioritize them and help you handle them on your own terms.We help you calculate the cost of what’s at stake to give you a clear picture of what to address and when. Then we leverage our market insights and rally our experts to design solutions that will transfer your risk to the insurance market and help achieve your goals.

Somebody to lean on.

Unfortunately, accidents do happen. When they do, know you do not have to deal with them alone. NFP is here to help.Our diversified National Claims team is your advocate and liaison with the workers’ compensation claims administrator to ensure the injured workers get the medical care they need to quickly recover and return to work. At the same time, the team proactively monitors the claims, ensuring they are positioned for cost effective resolution and accurately reserved. Your employees get the care they need faster, at a lower total cost of risk to you.Caring for Your Injured WorkersLike you, we care about your employees — and we want to make sure your relationships with them remain strong. From the onset of the accident until the injured employee is back on the job, we are there to guide you through a customized post-injury management plan that includes: Immediate post-injury response Medical management Transitional duty/Return to work programsBest Practices Rule NFP’s National Claims team follows a set of best practices that emphasizes the delivery of meaningful and valuable services to our clients. Our relationship with you is driven by a focus on understanding each claim and the coverages in place so we can maximize the benefits available to your company. Your NFP team: Provides valuable oversight and direction with the claims administrator to ensure that you have the information and resources to make the best financial, legal and ethical business decisions for the management of your workers compensation claims. Facilitates ongoing communication between you and the insurance carriers/TPA. Works with the claims administrators to resolve, close out and/or investigate claims issues. Interprets loss runs and other loss data to identify injury trends. Once identified, we will collaborate with you and our claims management specialists to implement injury prevention programs because the most cost effective injury is a prevented one. Monitors lost time/indemnity claims, litigated claims, and subrogated claims. This includes strategizing and establishing action plans for optimum resolution. Analyzes experience modification worksheets and prepare Experience Modification Projections. Identifies overlapping coverage and puts applicable policies on notice. Ensures that claims below policy deductible are evaluated and handled correctly. Creates client-specific handling instructions to set expectations for how the claim should be managed, clearly identify the communication flow between the you and the claims administrator, and address the handling of issues that may arise. Helps you better understand the workers’ compensation process and assists with the implementation of best practices that empower ownership and the ability for you to internally manage your workers’ compensation claims.Contact NFP today to learn how we can help you get the best possible outcome for you and your claims.