Power and Utilities

Managing the impacts of development.

Environmental insurance – or pollution liability – helps your stave off the risks, exposures and loss that result from remodeling, restructuring and developing buildings and land and enables our environmental risk experts to provide solutions that precisely serve your environmental insurance needs.Liabilities stemming from environment issues and damage are often neglected, underestimated and can be dire. Understanding the risks and associated liabilities arising from direct actions and/or indirect actions can help you mitigate those issues:Direct Actions Disposal of hazardous material Exacerbation of existing pollution events Leaking fuel storage tank Midnight dumping of hazardous materials Newly created pollution conditions Title V air emissions violationIndirect Actions Construction defects that result in environmental releases after certificate of occupancy and before expiration of statute of repose Environmental indemnification assumed in commercial lending agreements Environmental indemnification assumed in purchase and sales agreement for real estate transactions Force majeure events that suspend contractual assumptionsThanks to steadfast senior-level relationships with expert environmental insurance companies and our knowledge of international and domestic insurance and reinsurance environmental markets, NFP is able to devise strategies that leverage the marketplace for your benefit. Our understanding of all kinds of commercial insurance allows us to provide top-flight coverage maximizing environmental insurance recoveries for you if and when a loss occurs.Wherever you’re at in development, our experts can help you through the environmental insurance process and structure appropriate pollution liability coverage.

Peace of mind online and off.

Personal cyber insurance covers individuals for their personal online security risks and financial loss due to cybercrime.Cybercrimes and risks include: Online account takeover or compromise Expenses incurred or financial loss due to identity theft or social engineering scams SIM swapping incidents Smart home device-related incidents Ransomware Cyberbullying and others Home insurance and other standard policies do not provide adequate coverage for cybercrime. Fortunately, we offer various personal cyber solutions for individuals and their families, whether it be an endorsement of your home policy or a stand-alone policy. Not all policies are alike, and few provide coverage for all the risks you face today. As your insurance advisors, we can review your needs together and present you with solutions to protect you against cybercrime risk.Personal Cyber OptionsCyber risks can often feel beyond our control, but there are easy-to-obtain solutions to protect you and your family. In addition to the product range available through our partners, we have developed DigitalShield, a stand-alone personal cyber product to protect all aspects of your life. Our DigitalShield product is an online insurance policy that can be purchased in under five minutes.This policy covers financial losses and cybercrimes if you are a victim and need to make a claim, and also provides pro-active support to help you 24/7 with any question you have. It removes the guesswork, whether it be about your home network, your personal safety online, or if you need to review a suspicious call or email you received. This bonus cyber concierge service gives you and your family members access to reliable support to bring you peace of mind.Comparing OptionsWhether you choose a stand-alone policy like DigitalShield or want to learn more about add-ons to your current policy, when trying to deal with the unexpected, we're committed to providing a broad range of coverage to protect our clients, their families, homes and assets. DigitalShield provides the most comprehensive stand-alone policy available today, with options starting at $200 per year.If you’re not sure what coverages you should be looking for in a personal cyber policy, here’s a simple comparison chart to help.#whats-covered thead th:last-of-type { background-color: #1b2a39;}#whats-covered tbody th { font-weight: 500;}#whats-covered thead th:first-of-type { background-color: #005483;}#whats-covered .fa-xmark { color: #dc2d1c;}#whats-covered .fa-solid { font-size: 25px;} What's Covered ProtectionwithDigitalShield® ProtectionThroughOther Policies   Stand-alone policy Coverage for all family members of the household (at home and while traveling), unlimited devices, and all locations you own or rent worldwide included in one policy Access to a personal cyber expert 24/7 (available to assist you with cyber concerns and inquiries or to make a claim) Broad limits of coverage available (starting at $100,000 and up to $1 million) Identity theft and financial loss coverage (with no sublimit) Cybercrime coverage (including social engineering, phishing, online scams and SIM swap, with no sublimit) Cyberattacks coverage (with no sublimit) Cyberbullying and cyberstalking coverage Protection for your activity online (such as online accounts, online banking, shopping, social media) Ransomware and extortion coverage (with no sublimit) Smart devices and wearables coverage (including entertainment systems, appliances, home monitoring systems, cameras, thermostats and other connected home devices) Reputation management, well-being costs (psychologist and more), relocation costs, tutoring/school costs and legal service fees (covered when associated with a claim) For informational purposes only. This document does not amend, extend or alter coverage. Please refer to any actual policy(s) for specific terms, conditions, limitations and exclusions. An Ongoing CommitmentWhether you experience a suspicious call, a full-blown ransomware attack, a compromised online account, or other cyber or privacy event, our team is dedicated to working with you to provide proactive support and in the event of a claim, achieve a fast, equitable resolution to the most complex scenarios.To learn more about how you and your family can benefit from NFP’s cyber and technology leadership and solutions, contact us today.

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.