Healthcare and Life Sciences

Preparing for all eventualities.

Employment-related litigation has become a key consideration for any business, and with an ever-evolving legal and social landscape, employment practices claims or lawsuits are likely to remain common. Employment related lawsuits can be very costly, so an appropriate review of exposures and establishing an effective program to manage, transfer, and/or insure those exposure is critical to protecting clients’ interests.Our team has the necessary experience to help build an employment practices liability strategy that works for your organization and its unique risks. Securing strong employment practices liability (EPL) insurance can help to keep a business strong in the face of a claim. Although employment practices liability insurance policies predominantly address claims by employees of harassment and discrimination that occur in the workplace, they are also designed to address a broad range of exposures.EPL insurance can be structured to respond to matters raised by outside third parties as well, including past employees, prospective employees, vendors, contractors, customers/clients, other business invitees and the general public.Reach out to our expert team today to discuss how we can support your company’s EPL insurance needs.

Seeding your success.

Whether you are under contract for a brownfield, managing hazardous materials, or working in environmental remediation, NFP can guide you through the environmental insurance process and structure appropriate coverage. Our Environmental Liability Practice offers access to knowledgeable specialists with the experience necessary to support your needs.We support companies in the environmental space, absorbing your business strategy and examining all areas of exposure through that lens, understanding your risks like pollution liability and cleanup costs, property transfer, asbestos, lead, and mold remediation, and contractors’ pollution, prioritizing them, and helping you handle them on your own terms. In addition to industry-standard coverages and services, we focus on other avenues such as property and liability, directors’ and officers’ liability, errors and omissions, cyber liability and legal expense.Our experts leverage years of experience ranging in all kinds of specialized coverage for unique organizations and situations and are nimble in adapting to new scenarios. In the past that’s included: Manufacturers of valves that are used by off-shore oil drilling platforms and oil pipelines Onsite and offsite liability for pollution conditions emanating from a landfill utilized exclusively by a dredging contractor to dispose of potentially contaminated dredge spoils Storage tank liability and cleanup policies to comply with financial responsibility requirements for underground storage tanks for one tank or a portfolio of locations with multiple tanks Commercial real estate transactions involving mortgage financing that may require the buyer to maintain pollution liability for the life of the loanBeyond property and casualty coverage, we work with you to build workforce empowering solutions and benefits, supporting you through benefits consultation, HR administration strategic support, actuarial services, well-being program planning, and more to guarantee that your people remain the biggest asset to your business.See how our experts can help you run a more efficient business with better workforce support.Environmental liabilities are often overlooked, frequently underestimated, and sometimes catastrophic — but with careful planning and the right partner, you can significantly mitigate your risks. We’re here to help you work it all out.

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.