The Power of Protection

Nothing is more powerful than having the ability to protect yourself from costly risks.

Baybenefits is an independent employee benefits and wealth management consulting firm providing retirement plan, health and welfare, executive benefit plan and individual wealth management consulting services. Through our affiliation with National Financial Partners, Inc. (NFP), we proudly present risk management solutions from NFP Property & Casualty Services, Inc.

With Baybenefits and NFP P&C, you have direct access to some of the brightest minds in the property & casualty industry — the right people and the right expertise for the right situation, no matter how complex.

NFP P&C Commercial Lines Expertise

Commercial clients that have put their trust in NFP P&C range from large residential property managers to a corner flower shop. We help protect the assets of a publicly traded financial institution and a world-renowned entertainment law firm, as well as help minimize potential risks to other diverse organizations across the country, including health care groups, accounting firms, bond traders and nonprofits.

Each company we serve is unique and demands more than "one size fits all" coverage. NFP P&C expertise allows us to design and implement tailored insurance solutions to help clients ensure a more successful financial future.

NFP P&C commercial lines expertise includes, but is not limited to:

• Real & Personal Property
• Business Income Exposures
• Workers’ Compensation
• Machinery & Equipment Breakdown
• Domestic & Foreign Transit
• Premises Operations & Product Liability
• Auto Liability & Physical Damage
• Excess/Umbrella Liability
• Executive Liabilities, including:
  • Directors & Officers Liability
  • Employment Practices Liability
  • Miscellaneous Errors & Omissions Liability
  • Crime & Fiduciary Liability
• Business classes NFP P&C successfully focus on include:
• Real Estate (commercial & residential)
• Social Services
• Manufacturers
• Wholesale & Retail Operations
• Health Care
• Financial Services, including:
  • Asset management
  • Private equity firms (including pre-purchase due diligence)
• Hospitality
• Construction

NFP P&C Personal Lines Expertise

You put in long hours at work. You sacrificed to gain financial security. You achieved a lifestyle you enjoy and are looking forward to leaving a legacy behind. High-net-worth individuals often overlook property & casualty insurance, even though it should be an integral part of any asset management and preservation strategy.

Choosing the right P&C insurance products is critical. NFP P&C provides personal lines clients wit the same guidance, insight and support we provide to our commercial clients.

It is difficult to imagine that a single incident — a lawsuit, a house fire, a teenager behind the wheel, a fall in your driveway — could put all of your assets at risk. We help ease your worries so that you can focus on the finer things in life.

NFP P&C private client services expertise includes, but is not limited to:

• Homeowners
• Automobile
• Watercraft
• Excess/Umbrella Liability
• Flood
• Personal Articles Floater (e.g., jewelry, furs, fine arts)

Access to Our Industry's Premier Carriers

Why risk it?

Protection is a big promise to make to someone. But the long-standing relationships NFP P&C has with some of the industry’s premier carriers gives us access to leading-edge products. As a result, we are able to quickly design customized coverage plans with highly competitive terms and pricing. More importantly, we are able to look you in the eye and tell you that our staff has worked to do the absolute best it can to help minimize your risks.

Carriers we represent include, but are not limited to:

• Chubb
• Travelers
• The Hartford
• PURE Insurance Group
• Fireman's Fund Insurance Company
• Chartis
• Zurich
• Selective
• The Hanover Insurance Group
• Philadelphia Insurance Companies
• ACE Insurance
• Tower Group Companies
• One Beacon Insurance
• Utica National Insurance Group

The Power of Service

Baybenefits and NFP P&C provides more than just the necessary resources. We believe we set the gold standard in service and that our service sets us apart.

We know that courteous, professional and responsive servicing at a level that exceeds expectations is the best way to help ensure our clients' success. The foundation of our successful relationships is built on trust — trust in our ability to communicate, negotiate and deliver. We pride ourselves on having among the highest ethical standards in the industry.

No matter what kind of services you need, our expert staff takes the time to understand your priorities and points of view. We are large enough that we have the market leverage needed to design effective programs at competitive rates, but small enough that you will not get lost in the shuffle. All of our clients have direct access to our experts. Every single employee that can add value to a case, including those on our management team, is available to any client, any time.

The Power of Performance

Our performance is reflected in how we manage the claims process. No matter when our client teams are needed, we are available to provide the high quality assessment and robust support that helps ensure your best interests are always represented.

NFP P&C can assist you with claims-related requests, including coverage verification, or claims notification and claims service instructions, 24 hours a day, seven days a week.

Every member of our exceptional personal lines and commercial lines teams has business and technological expertise that enables us to assist you with every type of claim, at every step in the claims process. We enhance the extensive knowledge and dedication that our hardworking claims staff brings to NFP P&C clients by leveraging some of the most up-to-date technology and resources in the field. By having efficient systems in place, we are able to respond to your needs faster and more efficiently.

For information, contact Phil Palmer, Vice President, NFP Property & Casualty Services Inc., at 925-444-9407 or cell 415-516-6365 or ppalmer@nfppc.com. (California license: 0B27516)