Programs & Coverages:
Restaurants, Bars, and Taverns, Medical Devices, Surety, Medical Malpractice, Financial Institutions, High Limit Disability, Auto Services, Residential Construction
M340 Madison Avenue, 20th Floor |
New York, NY 10173
Totalis Program Underwriters is a scaled and integrated platform providing specialty expertise and solutions for challenging and underserved areas of the market. With a growing collection of highly regarded specialty programs in multiple industries, we’re leveraging opportunities to enhance and innovate solutions for today’s most complex risks.
Totalis programs are all built to deliver superior customer service, disciplined underwriting expertise, and long-term profitability and sustainability for our valued distribution and carrier partners and insureds. Dedicated to continually elevating the breadth of knowledge and depth of experience essential to driving business growth, Totalis is where industries turn for solutions.
Quality Coverage for Spirited Businesses
Running a hospitality business – especially if you serve alcohol – comes with a healthy serving of risk. Patrons exchanging fighting words and more (that may catch bystanders in the middle), errant spills causing slips and falls, equipment failure making messes and spoiling food, or any of the dozens of things that can happen between a stool and the parking lot leave you with a lot of risks to worry about. At NFP, we understand the worries that you face, and we’re right there with you in the office, the kitchen, behind the bar and out on the floor —literally. Our independent loss control experts show up to evaluate everything from safety features to compliance with industry best practices, offering easy-to-implement tips and checklists to help you keep insurance costs down and calamities off your closing checklist. Our Restaurants, Bars and Taverns specialty program underwrites insurance coverage, processes the intake of claims, and helps you control losses and minimize risk across:
Restaurants
Bars, pubs and taverns
Sports bars
Brewpubs
Casinos
Quick, Clean and Convenient Claims
We process claims efficiently and promptly so you can get back to keeping your customers happy and coming back without any hassles. Our proprietary, cutting-edge, automated systems capture and store all the necessary data from your photos, promptly gathered statements, supporting documents and records, and we’ll handle the rest — keeping you up to date on what happens next. Together we can get your business running better than ever before. Let’s work on the perfect plan that’ll be the secret ingredient to your success.
For more information on Restaurants, Bars, and Taverns Coverage, please visit NFP.com.
NFP is a leader in providing insurance services to the medical device industry, with over 1,000 insureds nationwide. We work with organizations of all sizes and supply a wide range of coverages to meet their needs.
What Separates Us from Our Competitors?
Our experience within the medical equipment industry spans over 30 years, and we have an in-depth understanding of how your business works, your day-to-day functions and your equipment needs. We also offer occurrence form coverage, package credits and provide all lines of insurance starting at low minimum premiums.
Who Qualifies to Work With Us?
Any company that sells, services or repairs medical equipment.
Program Benefits
Offering protection for you, the equipment and the service you provide.
Comprehensive liability coverage including products and completed operations
Professional liability for bodily injury and property damage
Affordable cost
Occurrence form not claims made
No deductible
Defense costs unlimited
30 years of experience in the medical device industry
Equipment maintenance programs
HIPAA coverage
Property, auto and workers’ compensation insurance
Eligible States
Available in all states except Hawaii.
Coverages
The core coverage in this program is general liability insurance that protects you and your assets against liability claims and judgments. However, we do offer all lines of insurance.
Liability
Aggregate limit $3 million on all policies
Non-owned auto, if required, may be included within the minimum premium
Defense cost paid unlimited for covered claim
Maximum charge for all specifically endorsed additional insureds and waivers – $500 per policy year
Automatic additional insured – managers or lessors of premises
Each location and each project – equal to general aggregate
Waiver of subrogation – included
HIPAA legal coverage – $50,000
Limited product withdrawal expense – $10,000
Property damage to borrowed equipment and customer goods – $10,000
No fault medical payments – increased from $5,000 to $10,000
Excess (aka umbrella) coverage limits available up to $10 million – ability to add to general liability and auto liability
Property
Building and contents
Business income and extra expense – actual loss sustained to $300,000
Employee theft – $25,000
Property off premises – $25,000
Voluntary parting or fraud – $10,000
Exhibition coverage – $25,000
Salesman’s sample – $25,000
Electronic data processing equipment, data, media – $50,000
Property in transit – $50,000
And 62 others
Automobile
Auto liability and physical damage
Hired auto physical damage coverage – up to $75,000
Glass breakage waiver of deductible – private passenger
Loss of use expenses – $30 each day/$1,000 maximum
Towing and labor – private passenger vehicles – $100 each disablement
Accidental airbag discharge
Auto loan or lease gap coverage
Rental reimbursement coverage – 30 days/$100 each day/$3,000 maximum
And 15 others
For more information on Medical Devices, please visit NFP.com.
It’s All About Building Relationships
The surety business is a people business. Our strong relationships with the right surety carriers are how we help you get exactly what you need. Carriers trust us to make underwriting decisions without going back and forth with them. As a result, you get your answer more quickly — and can get back to your project faster.
We also believe in building real relationships with our customers, and work to get to know you so we can not only write a bond, but be there for you for the long term. For us, there’s no job that’s too big or too small. Although we work directly with some of the most successful contractors in the country, we also help harder-to-place bond clients who need a little extra assistance. Even contractors with not-so-stellar credit who have working capital have options here.
We’ll Hammer Out the Details the First Time
While we can’t change the rules of underwriting, we can help make life a little easier for you by getting everything we need the first time we connect. Not only does that prevent those “Oh, by the way…” calls for more information that interrupt your day, but it also eliminates unnecessary delays in getting your bonds written.
Just as important, you’ll have a full understanding of what happens next and how long it should take to get an answer on your bond. If you’re a bond veteran, we’ll get you moving as quickly as possible.
Agents: Need a Surety Market?
NFP is an agency specializing in helping brokers with their bond needs — hard to place, high risk, standard and preferred. We provide bid, payment and performance bonds and write in every state.
License and permit bonds: Insurance, real estate, mortgage, detective, private investigator, title, auto dealer, distributor/exporter, collection agency, driving schools, and many more
Contractor’s license: Compliance, third-party, labor, maintenance, and material for all lines of contractors, including general, sewer, electrical, landscaping, cement/concrete, plumbing, havoc, fencing
Miscellaneous: Utility, wage and welfare, many sales tax, and fuel tax bonds for most states
Construction trade permits: HVAC, plumbing, electrical, janitorial
For more information on Surety, please visit NFP.com.
You Take Care of Your Patients — We’ll Take Care of Your Risk
Is your medical professional liability insurance healthy? Will it hold up when put to the test? When it comes to managing risk, you need a partner that’s as focused on you as you are on your patients.
Due to the challenges you and your clients are facing in the medical professional liability insurance marketplace, our program is a great choice for agents and brokers to seek additional quote options for their clients. Our program insurer is A rated by A. M. Best and has over 30 years of experience providing medical professional liability insurance to the healthcare industry. We are committed to providing outstanding service and healthcare expertise to the agents and brokers that work with us.
With our in-depth knowledge and years of experience, we provide you quality, insurance solutions and custom advice that extend across a wide variety of health care specialties and classes. We’ve had great success in various classes of healthcare including:
Urgent care clinics
All classes of MD/DO physicians (individual and group policies)
Employed or staff physician of hospitals or IPAs
Regenerative medicine
Stem cell clinics
Integrative clinics
Surgery centers
Imaging centers
Physician and non-physician staffing firms
Allied medical schools
COVID-19 testing ventures
Labs
Sleep centers
Infusion services
Home health
House call/concierge practices
Telemedicine
Hospice
CRNAs*
Physician assistants*
Nurse practitioners*
Anesthesia assistants*
200 + types of allied professionals, technicians and therapists classes*
On-demand care
Perfusion*
Acupuncture*
Chiropractors*
Autotransfusionists*
Group dental practices
Home healthcare
Rehabilitation clinics
Occupational health clinics
College healthcare clinics
Onsite employer clinics
Weight loss clinics
Mobile healthcare
IV hydration practices
Exam services
Unlimited standalone tail
Medi-spas
Non-board certified physicians (are eligible under certain conditions)
Usage rating
(* Indicates occurrence available)
We can offer GL and EBL. Other classes of risks considered that are not listed above or are not on the list of classes we do not quote.
We Do Not Offer Coverage for the Following Classes in Our Program
Risks in KS, WI and NY that require admitted paper
Non-standard physicians
Hospitals
Long-term care facilities/assisted living and adult care homes
Excess limit policies
Risks needing more than a $1M per claim/up to $15M annual agg primary limit (except in VA where we offer the tort compliant higher limit)
Drug/alcohol and mental health inpatient facilities
Troubled adult or youth facilities
Mid-wives
Correctional care practices
Over 20% long term care practice
Standalone medical directorship
Primarily opioid pain management/addiction focus practices (we do offer quotes for pain management groups that have diversified pain management services)
Equity Protection Program
The Equity Protection Program (EPP) offered through NFP provides lenders the ability to mitigate the risks associated with expanding equity loan portfolio parameters through a fully insured program. By insuring loans with augmented loan-to-value thresholds, debt-to-income ratios and credit score ranges, you can expand equity loan offerings without taking on additional risk. In the event of default, the full balance of the covered loan will be payable — without incurring expensive foreclosure, charge-off or REO charges.
Program benefits include these valuable features:
Protects lender against borrower default for any reason
No foreclosure required when filing a claim
Increases revenue 15% – 20%
Reduces or eliminates REO expenses for lender
Delegated loan underwriting authority with capacity to submit for additional review
Customized rate structure allowing for single rate for all loan types or alternative structures
Slight increase in APR covers cost of risk transfer with no direct cost to the lender
Eliminates/reduces loan loss reserve requirements and protects balance sheet
Underwritten by A.M. Best A-rated carriers
Equity Protection That Works For You
We understand your needs and we’re there for you throughout the entire process. Our underwriters work closely with prospective lenders and agents to structure each EPP to ensure that it provides effective parameters for the financial institution to generate covered loans. Once the program guidelines are determined, our team offers training and assistance throughout the implementation process — from premium and reporting to loan origination and claim filing.
Stuff happens. If a covered loan defaults and becomes uncollectable, 100% of the loan balance is paid at default. No foreclosure or charge-off is required and a claim may be filed within approximately 90 days of delinquency. Claims are typically paid within 30 days of submitting documentation.
Eligible loan types include:
Home equity lines of credit (HELOC)
Purchase — money seconds (combo, piggyback subordinate financing for 1st)
Home improvement loans (secured & unsecured)
Closed-end seconds
Tailored Premiums
Pricing is customized and quoted once an application is submitted, and is based on lender loss history, loan types to be included and the expected volume of covered loans. The applicable rate is payable monthly and is based on the total outstanding balance of insured loans.
For more information on Financial Institutions, please visit NFP.com.
NFP is a leading underwriter of specialized disability insurance for top talent in the worlds of sports, entertainment, business and medicine. NFP addresses the void in financial plans for highly paid professionals by developing flexible policies that protect assets and earnings of people whose future depends on their continued ability to perform at elite levels. NFP can provide a variety of individual or group disability plans or work with interested parties to create new, dynamic insurance solutions to protect their various financial interests. NFP can provide coverage at the individual level or create larger group plans to cover a selected class of employees, members, etc.
Business
NFP fills the gap in financial plans for lawyers, executives and other highly compensated business professionals.
Corporate key persons
High salaried individuals
Employer-sponsored groups/plans
Physicians
NFP helps physicians, surgeons, dentists, and many other highly compensated healthcare professionals protect their financial futures.
Surgeons
Specialists
Medical practices/groups
Dentists
Sports
For over 40+ years, NFP has been a leading provider of high-limit disability and specialized insurance coverage to the professional sports world. NFP works with professional leagues, teams, athletes and coaches to create innovative insurance solutions to better protect against financial loss due to a myriad of possible events. Today, the majority of teams from the four major North American sports leagues are NFP clients, in addition to thousands of individual athletes, coaches and team executives. NFP also proudly provides a variety of insurance coverage to the collegiate, high school and youth athletes and sport associations/leagues.
Professional teams/universities
Athletes
Leagues
Coaches/front office
Agents
Youth/high school sports
Events
Entertainment
NFP is a leading provider of high-limit disability and specialized insurance coverage to the world of entertainment. NFP provides a variety of coverage options to help protect actors, musicians, models, broadcasters, producers / directors and other entertainers from lost personal income due to an inability to perform. Studios and performance companies purchase the same products that professional sports teams use to protect their balance sheets in the event a star performer is incapacitated due to injury, illness or death. NFP can also insure these individuals, or the production companies relying on their performance, against financial loss caused by cancelled events, lost endorsement deals and many more potential scenarios.
Actors
Producers/directors
Musicians/entertainers
Models
Broadcasters
Events
For more information on High Limit Disability Insurance, please visit NFP.com.
GIVE YOUR PROFITS A TUNE-UP
At NFP, we know that sometimes selling a vehicle service contract (VSC) can get tough — especially if there’s a blind spot making your current offering incomplete when it comes to higher mileage used vehicles.
We have over 30 years’ experience in the automotive space — building plans and programs that address not only the needs of the dealership and its employees but, most importantly, the needs of the dealer principal. In that time, we’ve learned from our partners and clients that the people least likely to be able to pay for mechanical repairs are those buying used vehicles with higher mileage. We built our high mileage VSC program, Power, to eliminate that blind spot and protect your customer’s investment.
Boost Your High-Mileage VSC Sales
Not being able to sell vehicles because of less than ideal VSC availability can eat into a dealer’s profits. That’s why we offer two levels of coverage with our high-mileage VSC program, Power. Power SecureCare offers exclusionary coverage for vehicles with up to 125,000 miles at the time of sale. And for your inventory with more than 125,000 miles, Power PremierCare offers powertrain or powertrain plus electrical and AC components coverage available for vehicles with up to 200,000 miles at the time of sale.
The Key Benefits of Power
Power will not diminish the sales of your core service contract program
Increase your VSC Penetration by up to 30% on vehicles with over 70,000 miles
Power provides quality coverage at an affordable price to protect your customer and fit the deal
Built with a default $100 Disappearing Deductible to increase your Service Department Retention
Products and Services
In addition to our exclusive Power VSC, we also provide the following products and services: Products
Vehicle service contracts
Limited warranties
Guaranteed asset protection (GAP)
Prepaid maintenance
Combination warranties
Key replacement
Road hazard tire & wheel
Windshield protection
Roadside assistance
Anti-theft warranties
Chemical (paint and fabric)
Credit insurance
Services
Training
F&I Manager Training
Sales Manager Training
Sales Representative Training
BDC Training
Profit Vehicles
Retrospective Profits (retros)
Front Loaded Retros
Reinsurance
For more information on Auto Services, please visit NFP.com.
We are a proven leader in the industry with a targeted focus on strong general liability & builder’s risk policies which are supported by industry-leading loss control, risk management and construction quality assurance. To protect our builders’ assets, we employ a combination of comprehensive risk management techniques paired with a broad insurance policy.
Since 1999, our experienced construction underwriters have written over $900 million in premium for new construction risks throughout the country.
Our product offerings include the following:
New Construction GL
Project-Specific and Wrap Policies
Terms Up to 36 Months and Including Extended Products-Completed Operations Coverage
Pay-As-You-Sell Options Available
Annual, Renewable Practice Policies (Admitted in AL, AZ, FL, GA, LA, OR, UT, and WA – Non-Admitted in Most Other States)
Limits Up to $10M
No Limitation on Tract Home Builders
Appetite Includes New Construction of:
Single-Family Homes
Fee-Simple Townhomes
Condominiums
Mixed-Use
Up to 7-Stories and $40M in Cost Per Building
Builder’s Risk
Residential and Commercial Buildings Up to $10M in Insured Value
Flood and Earthquake/Sinkhole Available in Some Areas
Coastal Florida Wind Coverage Available
Multiple Products:
Standard Blanket
New Starts Reporting
Single-Shot With Term Up to 24 Months and Extensions Available
Modified Blanket – This is Unique to ISG (Premium is Charged Only For the Number of Months it Takes to Build and Sell Each Structure)
For more information on Residential Construction, please visit NFP.com.
