Umbrella/Excess Liability

Protecting your business, your home, your vehicles and yourself shouldn't stop just because you've gone through customs. Whether you’re going to Mexico for business or pleasure, you need specific insurance and coverage as required by that country – especially if you’re traveling in your vehicle – and your U.S. policy typically offers no protection when you’re south of the border.At NFP, we understand that when it comes to getting the job done there are no borders. Over the years we’ve built strong partnerships with Mexico’s top insurance companies throughout the industry, allowing us to find – and help you choose from – cost-effective solutions with the broadest coverage.Flexible policy options include daily, six-month, or even annual policies that cover everything from:Auto / RV / Travel Trailer / MotorcycleProtect your auto, RV and/or motorcycle with liability coverage, which is required by law in Mexico. Our full coverage endorsement provides the most extensive full coverage policy in the Mexico marketplace.ATV/UTVTaking your ATV or UTV to Mexico? Don’t worry because NFP will cover your licensed and registered vehicle, whether in tow or while traveling on established highways and roadways.Boat / Jet Ski / WatercraftWatercraft liability insurance is required in Mexican waters and by most Mexican marinas. NFP will insure your boat, jet skis, yacht, or other watercraft.Home / Condo / TownhouseYour home, condo or townhome needs coverage whether you live there year-round, part of the year, or rent it out. Be sure you’re insured with a policy you can trust in a foreign country.Travel Health InsuranceThe last thing you want to worry about when traveling out of the country is getting healthcare when you need it. NFP offers a multitude of plans based on the purpose of your visit and length of stay to ensure you’re taken care of.Let’s work together on the perfect plan that will keep you covered near, far and everywhere in between.

Mitigating dynamic and evolving exposures.

At NFP, we understand the inherent complexities faced by organizations in the cybersecurity space. We partner with you to create a fully integrated approach to risk management including risk mitigation and transfer mechanisms. The result is a tailored solution best suited to your organization’s needs.NFP’s objective has always been to stand beside and develop risk and financial strategies with our clients. Teaching, learning and building together in the increasingly complex world of cyber insurance is the best path forward. Each day—as the technology moves faster and faster—the opportunity grows for us to bring expertise and insight to clients to achieve their vision for the future.Analysis, Benchmarking and Dedicated SupportThe process begins with a true risk quantification. We breakdown your risk to match it to industry and comparable metrics to provide real time benchmarking. We have access to tools internally and externally to help you better understand your overall risk profile. These include proactive services to help you better prepare for a cybersecurity incident, a policy form with customized language taking into account your industry class, size and trends, a panel of extensive breach response vendors to help you respond to an incident should one occur, and a dedicated claims advocacy practice ensuring you obtain the maximum recovery under your insurance policy should a claim occur.The role of the broker is that of a true partner and extends beyond the insurance platform to provide consistent resources including a dedicated risk management portal to help understand the changing legal and regulatory landscape in which your company operates. In addition, we provide ongoing thought leadership in the forms of articles, whitepapers and webinars to help you understand the latest developments and emerging trends unique to your industry. Should a specific cybersecurity need arise relating to your organization’s regulatory exposure, third party vendor resources or anything else, NFP will guarantee your organization has the tools in place to respond.An Ongoing CommitmentOur promise to you does not end with an insurance risk transfer solution. Whether you experience a lost laptop, a full blown ransomware attack, data breach or other cyber or privacy event. Our claims advocacy practice is dedicated to working directly with you and your carrier to achieve a fast, equitable resolution to even the most complex claim or incident. We'll work to ensure that you are actively involved in the resolution of the cyber incident and your preference for vendors is heard.To learn more about how you and your entity can benefit from NFP’s cyber and technology leadership, contact us today.

Unique solutions for a prosperous future.

No one else has the same assets, risks and vulnerabilities you do, so it's critical that your coverage is custom-made.If you have distinct, discrete coverage needs – whether it's protection for fine art on a yacht and the yacht itself or a susceptibility to kidnap and ransom – the NFP Private Client Group is the proper partner to tailor plans specifically to your unique needs.Rest easy knowing that NFP can cover it all. Then we meet annually to: Review your coverages and look for gaps Make sure coverage limits are where they need to be Market your coverage to ensure the best placement and pricing Evaluate your program components against new marketplace trendsAnd to keep your life moving the way you want it, we create a diversified wealth management strategy that evolves with your life and takes into account all you have, all you want and all you've created — managed people dedicated to helping you succeed.You have a legacy to leave, and we have the property coverage, life insurance, wealth management, charitable giving and estate planning capabilities that can help make it last for generations.

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