Employment Practices Liability

Resources and guidance to cut through the tangle.

Reporting and filing requirements, notification requirements, maintaining compliant offerings and navigating privacy considerations keep you busy. Keeping track of deadlines, on top of everything else, can be the last straw.We use our in-depth industry knowledge to make things easier on you by offering: In-house compliance professionals who dedicate their time to understanding the laws and regulations A compliance checklist developed by former IRS and DOL attorneys with an employer size- and type-adjusted compliance audit and links to model notices/action steps A web-based compliance portal with FAQs, a benefits compliance library and other resources, such as client-facing training webinars Proactive updates, including our biweekly Compliance Corner newsletter on federal and state regulatory changes, podcasts, and links to model notices and upcoming deadline reminders Healthcare reform modeling tools and resources featuring actuarial-backed tools for the employer mandate, plan design changes, excise taxes and moreCompliance can feel like an uphill battle. Fiduciary responsibilities aren’t getting any easier. Complying with privacy and discrimination laws isn’t always clear cut. Ensuring timely, compliant notice distributions is a logistical headache. Creating and communicating clear military and parental leave policies can be confusing, especially for companies that operate across state lines. That’s the tip of the iceberg, and the rules seem to be changing all the time.Let our dedicated compliance professionals help you steer clear of common pitfalls, avoid costly mistakes and clarify your compliance practices.

Recognizing and addressing your risks.

Almost all businesses face the risk of claims from clients, regardless of size, industry or location. The reality is that mistakes and alleged negligence can occur in any field, especially in an increasingly litigious climate. Without the proper coverage, these kinds of claims can severely impact a business’ bottom line as well as your reputation. Our experienced team will provide you: Cost-effective solutions to your unique professional liability exposures Appropriate coverage solutions, including both alternative risk transfer mechanisms and more traditional insurance Deep market relationships and access developed over years of experience A collaborative approach that prioritizes our relationships with clientsFor professional liability, details matter. The most important detail is a thorough understanding of your business. A robust program should be fine-tuned to address your particular exposures using our integrated team of advisors, product specialists and claims advocates. Our team is dedicated to finding coverage that works for you, and is tailored to your specific exposures and liabilities. Our experts are seasoned professionals whose varied backgrounds, coverage proficiency and market knowledge are among the best in the insurance industry, and our strong relationships with the underwriting community are a reflection of our ongoing commitment to our clients. Our brokers have a collective 150+ years of insurance knowledge and expertise. Our team has worked at senior levels at many of the world’s largest insurance brokers and carriers.In this market, it is critical to have a team that was built for the moment. Whether your company has a multinational profile or has a single location, we have experience advising, placing coverage and handling claims at a company like yours. Contact us to discuss how we might be of service to your team today.We provide professional liability solutions to a range of industries, including the following: Consulting Legal Accounting Real Estate Media Liability Miscellaneous

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.