Contractors

Reaching out where it counts.

Your business moves fast — and your insurance coverage is more valuable when your claims management process can keep up.When NFP’s national claims service practice stewards your claims management program, you get the support and outcomes your business needs.We Take Care of It All – Issues Big and SmallOur goal and priority is to make your job easier by: Reviewing incidents and reporting new claims as soon as possible. Working with insurance carriers to quickly set up and assign claims. Identifying potential points of overlapping coverage and placing all applicable policies on notice. Ensuring claims below the policy deductible are evaluated and handled appropriately. Monitoring the progression of claims using insurance carrier/TPA Risk Management Information Systems (RMIS) and via contact with the assigned adjusters. Reviewing letters of coverage, declination and reservation of rights to maximize your coverage.The NFP national claims service practice team works together to custom-build a service plan that aligns with your issues, challenges and goals. We proactively monitor the claims process, from initial report to final resolution, with consistent contact with involved parties, conducting claim reviews and settlement evaluations, and performing claims analytics. We will identify critical claims and guide you toward the best outcome.Measure and Maintain the Highest QualityWe continually strive to provide best-in-class service. We monitor and review the performance of your insurance carrier/third-party administrator by completing a broker claims audit, when needed, to evaluate compliance with claims handling instructions and best practices.Our audits measure overall compliance and provide a comprehensive overview of: Initial and ongoing contact Claim investigation Payments Accurate and timely reserving Return to work (workers’ compensation) Medical management (workers’ compensation) Action plans Subrogation Settlement Litigation Claim SupervisionContact us to learn how our extensive technical knowledge, proactive oversight, and top-to-bottom service can make the difference in your claims program.

Fostering a culture of success.

Risk management looks different in every industry, but it always starts with people. Your business relies on your employees to make good choices every day — choices that align with regulations and promote a culture of safety. Unfortunately, the safest practices aren’t always obvious, but with the right knowledge and tools any company can achieve a healthier culture and lower overall risk.The Occupational Health and Safety Group represents over three decades of experience specializing in professional and technical proficiency, customer orientation and careful attention to detail, including products and services customized to meet the specific needs and preferences of individual clients.Enabling Long-Term SuccessWe work to help clients apply and integrate key guidance and compliance requirements to build successful practices. Our aim is to increase operational effectiveness and maximize defensible measures. This includes compliance, best practices and more.Navigating Legislation, Regulation and Changing NeedsThe OHS group can help you with workplace risk assessment and risk management. We can also support you as you navigate environmental and occupational health and safety regulatory compliance with best practices, industrial hygiene insights, technical guidance, and management consulting services: EPA, OSHA, DOT, DOH, FMLA, ADA, HIPAA regulatory compliance Product safety consulting Construction safety Food safety Sustainability and continuous improvement Integrating insurance coverages and internal policies with employee benefits and federal, state and local legal requirements ISO Environmental Management System 14001 implementation and audit services ISO OH&S 45001/OHSAS 18001 implementation and audit services Safety management systemsCulture and Management ConsultationIn addition to technical support and consultation, the OHS group offers workplace culture and organizational management solutions to enable long-term success. Quality, customer satisfaction, productivity and safety performance are integrated functions, and a strong organizational culture (and leadership commitment) are the building blocks of company success.The signature of a highly functional organization is the ethical standards of transparency, fairness and reasonableness. Time has proven that good governance and sound business conduct are directly tied to financial and operational success. We aspire to these ideals and help others to achieve and maintain the same through: Workplace conflict resolution Tools to improve organizational safety performance and maximize operational leverage Staff development, 360 feedback and focus groups Manager/supervisor skills enhancement training Pinpoint Solutions for All IndustriesWe serve employers from a wide range of industries with operationally specific guidance, helping them meet their key business health and safety, risk, and organizational management objectives. Our consultants provide a specialized service, and are dedicated to giving each customer, large or small, the same level of dependable, forward-thinking assistance. Our industry profiles include, but are not limited to, the following: Manufacturing Construction Hospitality Healthcare Automotive Sport and entertainment Transportation and logistics Schools and higher education Oil, gas and renewables Governmental entities/public sector Non-profit human/social services agencies Technology, media and communications Services Utilities Retail and wholesale Food and agribusinessA Process Founded on TrustThrough a consultative approach, the OHS Group can help you foster a strong defense that demonstrates reasonableness and duty of care. Our group aims to provide comprehensive occupational health, safety, risk management, loss control and organizational effectiveness services tailored for our clients. We see ourselves as problem solvers, providing the best business solutions for challenging occupational health and safety problems.The OHS group, like the rest of NFP, is built on relationships. Our objective is to build trust, respect and mutuality through careful transactions and comprehensive support. This applies equally to our long-term and short-term clients, our employees, vendors, associates, coworkers and even competitors.Whatever your business goals or challenges, the Occupational Health and Safety Group has the expertise necessary to help. Contact us today to discuss how our team can support you.

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.