PRODUCTS & SERVICES

Commercial insurance products and services for public and private sector businesses, and transportation companies include:

• Professional Liability Programs (including Directors & Officers Liability, Sexual Abuse & Molestation Coverage)
• Employment Practice Liability Coverage
• Employee Dishonesty, Errors & Omissions Liability Coverage
• Property Coverage
• Event Coverage
• Automobile and Fleet Coverage (5 or More Vehicles for Fleet Coverage)
• Bus Operator Training
• Worker’s Compensation
• Wrap-Up Consultation & Administration
• Bonding & Surety Programs
• Risk Management Services
• Umbrella Policies
• Claims Management
• Exposure Surveys
• Free Consultation/Estimates
• Policy Reviews
• Technical Support Services
• Background Checks
• Safety Consulting
• And more . . .

Group benefit insurance packages include:

• Group Health Plans
• Group Life Plans
• Key Person Policies
• Dental Plans
• Vision Plans
• Short Term & Long Term Disability Plans
• Voluntary Benefits
• Section 125 Plans

You can count on our experience to help you navigate the complex issues of group health and life insurance products, even if you have multiple-sites or other unique requirements, we will put together a custom plan so you, your employees and their families will have peace of mind.

Group health plans:

• Comprehensive Major Medical
• PPO Plans (Preferred Provider Organization)
• HMO Plans (Health Maintenance Organization)
• Point-of-Service (POS) Plans
• Self-Funded Plans
• Prescription Drug Services
• Dental Coverage
• Vision Coverage
• Group Long Term Care
• Voluntary Benefit Plans
• Section 125 Plans
• And more . . .

Group life plans:

• Basic Life Insurance
• Optional Life Insurance
• Dependent Life Insurance
• Short Term Disability
• Long Term Disability
• And more . . .

NICI is your Risk Management Consulting specialist:

NICI provides customized risk management programs and consulting services because no two businesses are alike. We will meet with you to assess your business, learn about how you do business and work with you to identify areas of risk and provide appropriate insurance solutions.

• Call NICI at 800.689.2698 or
• send an e-mail to info@niciinsure.com to request a quote or to learn more about covering you and your business for areas of risk.

We provide premium audit services for MGAs, Insurance Carriers, Brokers and Self-Insured Groups to determine correct premiums, collect ratemaking data, meet regulatory requirement and to make sure the estimated premium established at the beginning of the policyholder policy period accurately reflects any changes in business operations that may have occurred since the policy was issued – taking into account all of your exposures and operations.

We provide and customize premium audit solutions for our customers, regardless of their size, which consist of Virtual, Telephone and Voluntary Mail audits nationwide. Physical audit coverage is provided in the states of Texas, Louisiana, Oklahoma, Nevada and parts of Arizona and California. Upon request, physical audits on large accounts are completed nationwide.

All audits include a quality control review to ensure accuracy.

Our premium audit services cover a wide spectrum of industries.

• Construction
• Technology
• Healthcare
• Manufacturing
• Temporary Agencies and Professional Employer Organizations (PEO)
• Transportation
• Non-Profits

NICI Services:

• Physical Audits- Ideal for middle market to large complex accounts. General Liability Audits – physical on location audit of actual records, and business operations. Reports can customize based on your underwriting concerns regarding risks. Common commercial risks we assess include General Liability, Professional Liability, Workers Compensation, Fleet, and Garage Liability
• Workers’ Comp. Audits – Capable of handling accounts with multiple entities, states, and class codes. physical on location audit of actual records, and business operations.
• E-Audit (virtual audits) – remote review of actual records through our electronic auditing service and exit interview with policyholders regarding business operations. Telephone and Voluntary audits done in all 50 states.
• Audit Review – In depth and detailed review of completed audits from carriers and clients of prior audits to identify and correct any audit errors.
• Classification Inspection: NICI offers an extremely thorough and detailed report utilizing NCCI, PAAS and individual state statute reference materials to provide accurate classification recommendations.

Our Loss Control Division provides a full array of risk management & property and casualty services to both the admitted/standard and non-admitted (Surplus lines) markets. Our loss control consultants will help identify
exposures to potential loss; search for and implement hazard recognition controls, injury management, and general preventative maintenance measures. This includes a detailed analysis report of possible risks and
exposures along with recommendations, as well as detailed photos to assist with reducing exposures, minimizing losses.

Our safety and risk professionals have experience in a wide range of industries, providing technical safety and health consultations and risk improvement tools:

• Loss Source Analysis
• Industry Best Practices
• Online Safety Training
• Loss Control Surveys
• OSHA Compliance Assistance
• Hazard Identification
• Job Hazard / Safety Analysis
• Fleet Safety
• Safety Program Assistance
• Accident / Incident Investigation Tools
• Emergency Action Plan Assistance
• Insured Support (Train the Trainer)
• Safety Committee Assistance
• Facility or Jobsite Inspections Checklists
• Safety Resource Material
• Industry Specific Recommendations

NICI Solutions Provides

Physical Surveys
Our on-site surveys with the insured provide specific underwriting information, hazard identification and hazard control measures recommendations. Reports can be tailored to the unique needs of each commercial client. We conduct Physical Audits currently in Texas, Louisiana, New Mexico, Oklahoma, Nevada, California, and Arizona.

Virtual Surveys/Telephone Surveys
Our Telephone Surveys provide you with essential underwriting information, allowing you to make informed decisions for each policy. Ideal for small businesses and small commercial fleet operations. Professional liability lines of business
We conduct Virtual and Telephone Surveys in all 50 states.

EV Charging Stations Business may find coverage hard to come by  with this fast growing and changing EV charging space. With great growth in an industry brings great challenges for many carriers. We have markets with an individualized risk approach for EV charging stations. Standalone or bundled, our EV Charging Station coverage and services are designed to provide a total solution for your energy business.

Tailored Coverages we can design a customized insurance program for your renewable energy company. Here are some important coverages that you should consider.

• Commercial General Liability (CGL), Workers’ Compensation, Auto and Property
• Admitted paper
• Full CGL and Property solutions
• Umbrella/Excess capacity
• Deductible, SIR and loss sensitive capabilities available