BROKERAGE DIVISION

Our brokers average more than 15 years' experience individually and more than 120 years' combined experience in all facets of the property / casualty insurance business. There is hardly an industry, risk class, exposure or coverage unfamiliar to us. We are available to help you place unique, difficult, complex or large risks of all types by working with you on a consultative basis. You'll find that we have the knowledge and resources to make the tough risk placements easier for you and your clients. We write in all 50 states with “A” rated carriers on an admitted and excess and surplus lines basis.

While we are generalists, we do have deep expertise and resources in certain classes and niches of business where we believe we have a competitive advantage. These include:

• Commercial Automobile Liability and Transportation / Trucking
• Automobile Physical Damage and Motor Truck Cargo
• Inland Marine and Contractor's Equipment
• Construction & Contracting
• Commercial Property
• General Liability
• Professional Liability
• Errors & Omissions
• Management Liability (including Crime, Employee Dishonesty, Profit & Non-Profit D&O, Fiduciary)
• Employment Practices Liability
• Cyber Liability & Electronics Errors & Omissions
• Excess Liability
• Umbrella
• Special Events Coverage

Transportation

In our transportation specialty, we have access to markets for and deep experience with trucking, heavy equipment hauling, construction and energy industry related mobile equipment / transportation. We target heavy unit truck fleets, crane & rigging risks, oversize & overweight load hauling, concrete pumpers, millwright risks and windmill assembly / transportation risks.

Commercial Auto Liability:

• Heavy Equipment Haulers
• Large Schedules of Heavy Units / Units Over 27,000 lbs.
• Energy Related Equipment Transportation & Hauling
• Excess Transportation Liability
• Accounts With Poor Loss History

Auto Physical Damage:

• Admitted & Non-Admitted
• Most Types of Units / Vehicles
• Minimum Premiums as Low as $5,000 per Million

Excess Transportation Liability:

• Limits up to $50 Million Available
• Minimum Premiums as low as $5,000 per Million

Property & Inland Marine:

We have the ability to write your difficult property business not easily placed with another wholesaler. Our markets allow us to write catastrophe exposed property, property construction types or age that are considered ineligible by other insurers and property schedules with poor loss history.

Commercial Property, Builder's Risk, Inland Marine:

• Catastrophe Exposed Property (Coastal, Wind, Earthquake, Flood, Hail, etc.)
• Admitted & Non-Admitted
• Minimum Premiums as low as $2,500
• Poor Loss History / No Loss History

Commercial General Liability:

We write General Liability coverage on all types of risks and industry classes. There is hardly a risk type or class that we cannot place. We have access to "A" rated admitted and non-admitted paper with minimum premiums as low as $2,500.

Professional Liability & Errors or Omissions:

With available capacity / limits up to $50 million, we are writing Professional Liability and Errors or Omissions on a wide variety of industry classes and risks. We offer minimum premiums as low as $2,500 on smaller accounts.

Excess Liability & Umbrella:

We offer "A" rated coverage up to $100 million in limits on an admitted and non-admitted basis for a wide variety of risk classes and types.

Environmental Division

We are your “all lines” environmental insurance market and environmental coverage specialists.

NPM is your environmental insurance specialist. We have access to dozens of markets that specialize in insuring small, mid-sized and large risks in the environmental industry or with environmental exposures in their business operations. We have binding authority, act as a program underwriting manager and have expedited brokerage quoting capabilities with many environmental and non-environmental markets. We can help you place all lines of coverage for your environmental and non-environmental contracting accounts of any size. While contractors are a large part of our business, we insure consultants, testing laboratories, accounts with products pollution or operational pollution risks, storage tanks and site specific pollution risks.

Our staff has over 50 years combined environmental coverage and market expertise to help you and your insureds.

Some of the coverages we offer:

• Contractor's Pollution Liability
• General Liability
• Professional Liability
• Pollution Legal Liability & Site Pollution
• Excess Liability
• Workers' Compensation
• Automobile & Transportation Pollution Liability
• Site Pollution Coverage (Environmental Impairment Liability)
• Storage Tanks (Above & Below Ground)
• Property
• Inland Marine (including Contractor's Equipment)
• Builder's Risk

Target Environmental Classes

• Asbestos Abatement
• Mold Remediation
• Lead Abatement
• Soil Remediation
• Environmental Testing, Consulting & Assessment
• Contractors (all types) - Environmental & Non-Environmental
• Emergency Response Firms (Clean-up)
• Environmental Drilling
• Storage Tanks
• Landfill
• Transportation Pollution
• Waste Processing / Hauling

Why Use NPM?

• Access Dozens of Environmental Specialty Markets
• Low Minimum Premiums
• All Size Accounts / All Lines of Coverage
• Higher Commissions (+ First Year Bonus)
• Extremely Fast Turnaround Times
• Responsive Caring Service