Dude and Guest Ranches

Reining in your risk.

Whether you have a pasture full of horses or just one or two, it’s important to protect your investment with a high-quality equine insurance policy. The costs for the replacement or treatment of a horse can be staggering. And even the liability for damage caused by a horse can be costly. However, these risks can be covered with equine insurance from NFP.Equine insurance policies available to horse owners include everything from horse mortality insurance to major medical, loss of use, accident, sickness or disease and equine liability insurance. Some policies also cover equine therapy and injury or property damage.Thousands of horse owners already trust NFP to provide the expertise and protection they need, including: Equine insurance coverage for mortality and major injuries Equine liability insurance for injury and damage to third parties Personal accident insurance for you and/or other riding members of your family Insurance for equine-related outbuildings and other structures on your property, including stables and tack rooms, as well as coverage for equipment and vehicles

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.

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.