Claims Services
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CLAIMS SERVICES
North American Risk Services has teams that are focused on a specific discipline, be it physical damage claims handling or complex liability cases. That being said, the flexibility of our people, processes and technology also allows us to dedicate a team or teams to our client’s individual program. We will work with you to create a well-defined roadmap that is focused on the most successful disposition of your claims.
Most administrators try to handle every type of claim. We do not. We believe that by developing new business that matches the specialties of our staff, we can provide consistently superior results to our customers. Despite the large size of our company and the depth and breadth of claims we currently handle, our focus must always be on our core competencies.
North American Risk Services has teams that are focused on a specific discipline, be it physical damage claims handling or complex liability cases. That being said, the flexibility of our people, processes and technology also allows us to dedicate a team or teams to our client’s individual program. We will work with you to create a well-defined roadmap that is focused on the most successful disposition of your claims.
Most administrators try to handle every type of claim. We do not. We believe that by developing new business that matches the specialties of our staff, we can provide consistently superior results to our customers. Despite the large size of our company and the depth and breadth of claims we currently handle, our focus must always be on our core competencies.
TRANSPORTATION
We have teams that specialize in truck, bus, livery, and towing claims. Each of these claims types are unique, requiring experienced handlers and mandating an immediate, in-depth investigation. Our trucking teams have specialists dedicated to handling a specific aspect of a loss, such as the cargo, the vehicle damage, or the injury claims. Our bus team is geared to handle the injury claims of each passenger while remaining vigilant against “jump-in” claimants. Our livery team has a depth of experience in handling taxi and black car programs and the demanding exposures that they present. Our towing team is experienced in handling damages to vehicles “on-hook” and dealing with cargo in the vehicles, while focusing on getting your equipment back on the road.
We have teams that specialize in truck, bus, livery, and towing claims. Each of these claims types are unique, requiring experienced handlers and mandating an immediate, in-depth investigation. Our trucking teams have specialists dedicated to handling a specific aspect of a loss, such as the cargo, the vehicle damage, or the injury claims. Our bus team is geared to handle the injury claims of each passenger while remaining vigilant against “jump-in” claimants. Our livery team has a depth of experience in handling taxi and black car programs and the demanding exposures that they present. Our towing team is experienced in handling damages to vehicles “on-hook” and dealing with cargo in the vehicles, while focusing on getting your equipment back on the road.
PERSONAL LINES
Personal Lines coverages are among the most competitive products in the insurance industry. To thrive in this market, claims service, finely balanced with loss and expense containment, is critical. Customers buy a promise that we will be there when we’re needed most. We are available 24 hours a day, seven days a week to handle our claims.
Personal Lines coverages are among the most competitive products in the insurance industry. To thrive in this market, claims service, finely balanced with loss and expense containment, is critical. Customers buy a promise that we will be there when we’re needed most. We are available 24 hours a day, seven days a week to handle our claims.
CONSTRUCTION DEFECT
Over the past two decades the volume of construction defect litigation has multiplied exponentially. The skill sets required to manage the resultant claims are diverse. Knowledge of coverage forms, contracting, torts, and construction are critical. We have teams of our most experienced casualty and property handlers that focus only on construction defect claims, providing a depth of talent that is unsurpassed by any other administrator.
We have a vast network of qualified local engineers, contractors, attorneys and appraisal specialists at our disposal that can provide a valuable resource to resolve these claims. To keep abreast of the issues, new legislation, and legal outcomes in this dynamic field, we actively sponsor continuing education for our adjusters and managers. Our technical expertise will remain unmatched in our industry.
Over the past two decades the volume of construction defect litigation has multiplied exponentially. The skill sets required to manage the resultant claims are diverse. Knowledge of coverage forms, contracting, torts, and construction are critical. We have teams of our most experienced casualty and property handlers that focus only on construction defect claims, providing a depth of talent that is unsurpassed by any other administrator.
We have a vast network of qualified local engineers, contractors, attorneys and appraisal specialists at our disposal that can provide a valuable resource to resolve these claims. To keep abreast of the issues, new legislation, and legal outcomes in this dynamic field, we actively sponsor continuing education for our adjusters and managers. Our technical expertise will remain unmatched in our industry.
WORKERS COMPENSATION
The NARS Workers Compensation units feature highly-trained, highly-qualified examiners, averaging over 15 years of experience that are licensed across multiple jurisdictions. Because of our experience, we are able to ask the right questions to determine the compensability of the claim and understand the medical issues related to the injury. Our claims management systems allow us to maximize cost containment opportunities while meeting or exceeding the timelines required in even the most stringent jurisdictions.
We actively seek out new ways to lower the cost of workers compensation claims to our clients. Because your employees are valuable to you, we explore the best ways to return an injured person to work, proving a solution that works well for everyone. We will provide the best possible outcome for your claims.
The NARS Workers Compensation units feature highly-trained, highly-qualified examiners, averaging over 15 years of experience that are licensed across multiple jurisdictions. Because of our experience, we are able to ask the right questions to determine the compensability of the claim and understand the medical issues related to the injury. Our claims management systems allow us to maximize cost containment opportunities while meeting or exceeding the timelines required in even the most stringent jurisdictions.
We actively seek out new ways to lower the cost of workers compensation claims to our clients. Because your employees are valuable to you, we explore the best ways to return an injured person to work, proving a solution that works well for everyone. We will provide the best possible outcome for your claims.
GENERAL AND PROFESSIONAL LIABILITY
We have a depth of experience in handling virtually any type of liability claim. Our team-based approach to adjustment allows us to pool judgment through progressive supervisor review and round-tabling. We actively solicit our carrier, reinsurer, agent, and self-insured partners in many cases to ensure the best agreed-upon outcome. Our broad relationships with other partners, including engineers, physicians, investigators and attorneys provides us with an unparalleled ability to address any issue we might face. NARS handles hundreds of general liability claims each day. From common slip and fall accidents to the most complex product liability claims, our experienced adjusters can help your program achieve the best loss ratios possible. Through an in-depth investigation, a detailed damages evaluation, and a prompt movement towards disposition, we will keep your claims costs under control.
We have a depth of experience in handling virtually any type of liability claim. Our team-based approach to adjustment allows us to pool judgment through progressive supervisor review and round-tabling. We actively solicit our carrier, reinsurer, agent, and self-insured partners in many cases to ensure the best agreed-upon outcome. Our broad relationships with other partners, including engineers, physicians, investigators and attorneys provides us with an unparalleled ability to address any issue we might face. NARS handles hundreds of general liability claims each day. From common slip and fall accidents to the most complex product liability claims, our experienced adjusters can help your program achieve the best loss ratios possible. Through an in-depth investigation, a detailed damages evaluation, and a prompt movement towards disposition, we will keep your claims costs under control.
COMMERCIAL
NARS manages several programs for commercial property owners. Our experience in package, monoline, shared, and layered coverage helps us achieve the best results for our carrier and reinsurer clients for allied lines, fire, CMP, and business interruption claims.
NARS manages several programs for commercial property owners. Our experience in package, monoline, shared, and layered coverage helps us achieve the best results for our carrier and reinsurer clients for allied lines, fire, CMP, and business interruption claims.
Trucking
NARS understands the special needs of truckers and our focus is to get our drivers back on the road quickly. We handle auto liability, non-trucking use, and unladen liability claims and are skilled in dealing with the intricacies of each. We promptly adjudicate downtime claims and deal with leasing and rental concerns for your clients. Recovery and salvage of your cargo is a priority. Trucking is a passion and we are actively involved in several industry-specific organizations, including TIDA and the Truckload Carriers Association.
NARS understands the special needs of truckers and our focus is to get our drivers back on the road quickly. We handle auto liability, non-trucking use, and unladen liability claims and are skilled in dealing with the intricacies of each. We promptly adjudicate downtime claims and deal with leasing and rental concerns for your clients. Recovery and salvage of your cargo is a priority. Trucking is a passion and we are actively involved in several industry-specific organizations, including TIDA and the Truckload Carriers Association.
Towing and Recovery
The towing and recovery industry is a specialized commercial automobile niche requiring automobile liability, garage liability, GKLL and cargo expertise to handle properly. NARS handles one of the largest inventories of towing and recovery claims in the country. As with other specialized programs, NARS assigns the handling of these losses to adjusters with significant experience not just in commercial automobile claims generally, but tow truck claims specifically. Our dedicated towing and recovery specialists remain current with industry trends, regularly attend industry events and are educated at industry specific training facilities such as WreckMaster. We don’t just handle towing losses; we get involved with the industry.
The towing and recovery industry is a specialized commercial automobile niche requiring automobile liability, garage liability, GKLL and cargo expertise to handle properly. NARS handles one of the largest inventories of towing and recovery claims in the country. As with other specialized programs, NARS assigns the handling of these losses to adjusters with significant experience not just in commercial automobile claims generally, but tow truck claims specifically. Our dedicated towing and recovery specialists remain current with industry trends, regularly attend industry events and are educated at industry specific training facilities such as WreckMaster. We don’t just handle towing losses; we get involved with the industry.
Bus
We’ve handled independent school bus programs, sightseeing, charter, and shuttle buses. Each requires special skills and resources not available to most administrators. When an accident happens and many people are involved, we will mobilize to promptly investigate and control the claim.
We’ve handled independent school bus programs, sightseeing, charter, and shuttle buses. Each requires special skills and resources not available to most administrators. When an accident happens and many people are involved, we will mobilize to promptly investigate and control the claim.
Livery
One of our first programs was a taxi program. As our expertise grew, we began to handle black car programs, smaller shuttle bus, and auto rental programs. Each has unique aspects that demand skilled handling, local investigators and contacts. Prompt investigation and evaluation is paramount in handling these challenging claims.
One of our first programs was a taxi program. As our expertise grew, we began to handle black car programs, smaller shuttle bus, and auto rental programs. Each has unique aspects that demand skilled handling, local investigators and contacts. Prompt investigation and evaluation is paramount in handling these challenging claims.
Personal Lines Auto
We handle several non-standard and assigned risk programs across the country. Our workflows are optimized to investigate, evaluate, and adjudicate claims as soon as practicable, thereby minimizing your ultimate exposure. Our teams are well seasoned in no-fault, collision, UM/UIM, and bodily injury claims and our results are markedly better than the industry averages in the jurisdictions we service.
NARS contains leakage in collision, comprehensive, and third party auto damage claims by closely controlling the appraisal, DRP, total loss and salvage process. Experienced adjusters add to the bottom line by properly assessing liability and allowing our recovery unit to aggressively pursue subrogation.
We handle several non-standard and assigned risk programs across the country. Our workflows are optimized to investigate, evaluate, and adjudicate claims as soon as practicable, thereby minimizing your ultimate exposure. Our teams are well seasoned in no-fault, collision, UM/UIM, and bodily injury claims and our results are markedly better than the industry averages in the jurisdictions we service.
NARS contains leakage in collision, comprehensive, and third party auto damage claims by closely controlling the appraisal, DRP, total loss and salvage process. Experienced adjusters add to the bottom line by properly assessing liability and allowing our recovery unit to aggressively pursue subrogation.
Personal Lines Home
Anyone that’s sustained damage to their property expects and deserves an immediate claims response. Our processes are honed to provide our clients with the best available solutions to getting their homes back in order.
Whether we’re dealing with a standard homeowner’s coverage form or a custom one, our adjusters experience and our protocols will ensure that all aspects of the policy are properly applied and explained. It’s our commitment.
Anyone that’s sustained damage to their property expects and deserves an immediate claims response. Our processes are honed to provide our clients with the best available solutions to getting their homes back in order.
Whether we’re dealing with a standard homeowner’s coverage form or a custom one, our adjusters experience and our protocols will ensure that all aspects of the policy are properly applied and explained. It’s our commitment.
Restaurant
If your restaurant suffers from a property loss or a liability loss, you can be confident that we have the expertise required to adjust your claim. We have successfully managed hundreds of high-value dram shop claims for our taverns and restaurants in practically every jurisdiction in the country. Because a restaurant’s reputation is on the line, we will bring the same experience to bear on claims alleging foreign objects or food-borne illness. Experience matters.
If your restaurant suffers from a property loss or a liability loss, you can be confident that we have the expertise required to adjust your claim. We have successfully managed hundreds of high-value dram shop claims for our taverns and restaurants in practically every jurisdiction in the country. Because a restaurant’s reputation is on the line, we will bring the same experience to bear on claims alleging foreign objects or food-borne illness. Experience matters.
Entertainment
NARS has handled entertainment programs with risk ranging from small county fairs and carnivals to major motion picture and concert productions. Claims in this segment can include animal exposures, weather coverage, and even the workers compensation or liability exposures of high-profile stars. Our most tenured adjusters have personally handled these most delicate, yet potentially catstrophic claims.
NARS has handled entertainment programs with risk ranging from small county fairs and carnivals to major motion picture and concert productions. Claims in this segment can include animal exposures, weather coverage, and even the workers compensation or liability exposures of high-profile stars. Our most tenured adjusters have personally handled these most delicate, yet potentially catstrophic claims.
E&O/D&O
For allegations of a breach of duty of care, non-disclosure, misrepresentation, tortuous conspiracy, and breach of contract, claims are best handled by an experienced specialist. We have personnel that have handled a wide variety of D&O and E&O exposures ranging from homeowner’s association disputes to personal allegations directed towards directors of multi-billion dollar corporations.
For allegations of a breach of duty of care, non-disclosure, misrepresentation, tortuous conspiracy, and breach of contract, claims are best handled by an experienced specialist. We have personnel that have handled a wide variety of D&O and E&O exposures ranging from homeowner’s association disputes to personal allegations directed towards directors of multi-billion dollar corporations.
Habitational
Owners and managers of condominium associations, commercial apartment buildings, and related real estate businesses face very specific exposures which are best handled by specialists in landlord-tenant liability matters. We leverage our expertise and focus on a prompt and thorough investigation to bring these claims to a rapid and economical disposition. Our property loss handlers have over 30 years of experience and are focused on bringing building damage claims to a prompt conclusion to mitigate claims for loss of income.
Owners and managers of condominium associations, commercial apartment buildings, and related real estate businesses face very specific exposures which are best handled by specialists in landlord-tenant liability matters. We leverage our expertise and focus on a prompt and thorough investigation to bring these claims to a rapid and economical disposition. Our property loss handlers have over 30 years of experience and are focused on bringing building damage claims to a prompt conclusion to mitigate claims for loss of income.
Business Owner's Property and Liability
Small and medium sized businesses require specialized service. Our Business Owner’s Property and Liability unit has considerable expertise in handling claims that arise from package policies, with an emphasis in restaurants, hotel/motels, and night clubs. Our seasoned professionals are well-versed in ISO and MSO forms, liquor liability, assault and battery sublimits and manuscript endorsements.
Small and medium sized businesses require specialized service. Our Business Owner’s Property and Liability unit has considerable expertise in handling claims that arise from package policies, with an emphasis in restaurants, hotel/motels, and night clubs. Our seasoned professionals are well-versed in ISO and MSO forms, liquor liability, assault and battery sublimits and manuscript endorsements.
International Property
Few administrators can match the depth of our international property handlers. We have adjusted thousands of property claims across the world, and have a preferred network of outside executive general adjusters who are equipped to handle the largest of property claims wherever your risks take you.
Few administrators can match the depth of our international property handlers. We have adjusted thousands of property claims across the world, and have a preferred network of outside executive general adjusters who are equipped to handle the largest of property claims wherever your risks take you.