Do You Have The Right Partner?
Do You Have The Right Partner?
NBIS - PREMIER INSURANCE & RISK
MANAGEMENT SOLUTIONS FOR HEAVY
CONSTRUCTION INDUSTRIES
Who is NBIS?
NBIS is the premier provider of coverage solutions for the Heavy Construction
Industries. As a hybrid, full service provider in program underwriting and
administration of custom Construction and related Transport Insurance
Programs, NBIS delivers 100% of the core functions of a Specialty Insurance
Company to agents/brokers and insured customers as a Managing General
Underwriter (MGU) organization.
Working in partnership with 'A' rated carrier partners, NBIS delivers multi-line
program underwriting, policy issuance, reinsurance support, claims adjusting,
on-site claims investigations, risk management kit administration (including
contract management), loss control evaluations and premium audit services.
We provide:
• Insurance Coverage
• Risk Management & Loss Control Solutions
• Contractual Risk Management
• Claims Handling
Do You Have The Right Partner?
INDUSTRIES WE SERVE
NBIS Insurance Programs
Crane &
Rigging
The NBIS Advantage:
Specialized
Transport
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Risk Management Differentiation
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Industry Experts in Underwriting &
Risk Management
Concrete
Pumping
Equipment
Dealers/
Rental
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Market competitive terms
•
Account Partnership
NBIS Product Offerings
CONTRACTORS’
AUTO
GENERAL LIABILITY
PROPERTY/
INLAND MARINE
EXCESS/
UMBRELLA
WORKERS’
COMPENSATION
CRANE & RIGGING
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Select States*
SPECIALIZED
TRANSPORT
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Select States*
CONCRETE PUMPING
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Select States*
EQUIPMENT
RENTAL/DEALERS
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Select States*
* Brokerage markets
Industries We Serve
| Crane & Rigging | Specialized Transportation | Concrete Pumping |
| Equipment Dealers |
Driver Profile Commonalities:
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Drivers employed are compensated per job as opposed to per mile
Drivers are operating specialized equipment such as steerable Jeep dollies/boosters, push tractors, and 21axle trailers to transport high value cargo as securely and carefully as possible
The majority of these loads are permitted and many require the escort
Level of sophistication/expertise attracts the highest caliber of drivers
SAFER/BASIC’s Profile:
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FMCSA BASIC metrics are now applied to crane, rigging and concrete pumping contractors
Limited over-the-road time reduces the number of hours-of-service (HOS) violations
Crane, rigging and concrete pumping contractors have pre and post trip vehicle inspections and an annual
vehicle inspection as a part of their normal procedures
Low road speed and vehicle escorts = fewer moving violations/at-fault accidents on in commercial vehicles
due to low road speed and vehicle escorts
Crane & Rigging
CLASSES OF BUSINESS
COVERAGE FEATURES
Crane and Rigging
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COVERAGES
General Liability
Property / Inland Marine
Commercial Auto
Excess/Umbrella
Workers’ Compensation
(selected states)
TERRITORY
Available in all 50 States
10/01 GL Coverage Form utilized, providing over-the-road coverage form mobile equipment
Motor vehicle law endorsement gives PIP, UM, and Med Pay coverages to mobile equipment
Riggers liability - coverage solutions aligned with the exposure
Blanket waiver of subrogation and additional insured endorsements available
Hired and non-owned liability and hired car physical damage coverages available
Installation floaters, 3rd party loss of use, and motor truck cargo coverage offered
Deductible incentive endorsement offers up to 50% of deductible waived if NBIS preferred
contractual language is utilized OR if driver has completed Online Driver Training Program
William (Billy) Smith, Program Manager
With many years of construction experience coupled with safety, loss control, and litigation
management, he and his team of experts have worked to put NBIS on the map as the recognized
market leader in construction risk management. Bill has over 28 years of experience in the Crane,
Rigging, and Construction industry. Previously he worked as Safety and Health Specialist with the
Directorate of Construction, U.S. DOL-OSHA, where he guided and assisted all departments and field
offices on crane and construction policies, procedures, and safe working practices. Bill is a
recognized leader in the industry and has been published in Crane Works magazine and Lifting and
Transportation magazine. He has also been acknowledged in the book, “Crane and Derricks.”
bsmith@NBIS.com
Crane & Rigging
Program Variations:
Claims Handling:
Large Crane Companies > $1mm in Receipts
• No minimum premium
• Discounts available for NCCCO Certified
operators
Claims are managed in-house by our team of
experts:
• 7 adjusters with commercial construction
experience, from 15-40 years
• Example – NBIS’ CIM adjuster has 40 years of
Big Iron experience
Crane Companies < $1mm in receipts, typically
owner/operator
• $4k minimum premium on CGL
• Provide all of NBIS’ powerful Risk
Management solutions
• Streamlined UW Process
Claims managed by NBIS provide benefit to your
clients
• Examples: Action Over, Primary and Excess,
Subrogation etc.
Crane & Rigging - Risk Management
From the outset of our relationship with our insureds, we provide tools through our Risk
Management Support System (RMSS) so that insureds may educate themselves concerning the
risks in the industry, and more importantly, learn how to effectively manage those risks. RMSS
helps the insured learn how to provide a safer work environment, manage their claims more
effectively, lower their future insurance cost, and manage a more profitable business.
Risk Management Support System (RMSS)
The RMSS Kit for the Crane & Rigging Program includes:
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RMSS CD – resources available on CD or Online
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Contract Risk Transfer both as sub employer and as rental house (bare and manned)
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Crane Use Standards – ASME B30.5
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Selected OSHA Regulations For Lifting & Compliance
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Safety Handbook
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Personnel Responsibilities Manual
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Activity Based Tool Box Talks (Safety Meeting Worksheets)
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Safety Incentive Program
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Early Return To Work Program
Crane & Rigging - Risk Management
Online Driver Safety Training - Policyholder Advantage
NBIS, in partnership with Insure Learn has developed short tactical 15 minute online training
courses targeting specific high risk / loss issues. Based not only on loss data, but the insured work
environment increasing user retention of information. Classes are designed as part of a
curriculum that can be easily managed locally.
5 Courses that have been customized for Mobile Crane Drivers - Stopping Distance, Changing
Lanes, Backing, Distracted Driving and Introduction to CSA
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Available Online 24/7 - your drivers can train at home anytime
•
Courses take 15 minutes to complete and learning will be demonstrated with completion of
each course and tests
•
System provides full tracking and reporting which will allow you to protect your company
and show that you have continued to train your employees.
Specialized Transportation
CLASSES OF BUSINESS
COVERAGE FEATURES
Specialized Transportation
Machinery Movers
Heavy Equipment Haulers
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•
COVERAGES
Truckers’ Liability
Physical Damage
Custom Cargo/Transit
Property/Inland Marine
General Liability
Excess/Umbrella
Workers’ Compensation
TERRITORY
Available in all 50 States
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Cargo limits up to $5M available
Flexible rating plans available, gross receipts, gross mileage, or composite rate/unit
options offered
Filings electronically processed within 24 hours of request
No minimum premium requirements
High value equipment can be insured competitively under IM coverage form
Hired and non-owned liability and hired car physical damage coverages available
Installation floaters, 3rd party loss of use, and motor truck cargo coverage offered
Robert C. Moore, Esq., Program Manager
Robert C. Moore is the Chief Legal Officer for NBIS and its subsidiaries and the Transportation
Program Manager. He has been in the transportation and construction field for over 30 years. He has
been active in numerous trade organizations and currently sits on the Specialized Carriers & Riggers
Association Transportation Governing Board, the Transportation Safety Committee and is President
of the Specialized Carriers & Riggers Foundation. Having worked for Great America, AIG and several
other major insurance companies as a senior litigator, Moore’s 35+ years of experience in such areas
as Construction Litigation; Products Liability; Professional Liability; Specialty Lines Coverage;
Personal Injury Defense; and Tort Reform, have made him a nationally recognized speaker on
contractual liability and construction defect.
rmoore@NBIS.com
Specialized Transportation
The NBIS Specialized Transportation program refers to firms engaged in the transportation of oversized, over-dimensional
commodities.
Vehicle Usage
• Electrical transformers
• Large construction equipment (referred to within the
industry as yellow iron movers)
• Mobile oil rigs/derricks
• Specialty “oversize” / “over-dimensional” / “overweight” loads.
Characteristics of this program include:
• Preplanned routes
• Curfew hours of service
• Permitted loads
• Front and rear escort vehicles
• Local to intermediate radius of operation
• Low driver turn-over
• Specialized tractors re-geared for travel at very low
speeds.
Mileage Profile:
The nature of the specialized transportation industry lends itself to a more localized radius of operation. Typical mileage per
power unit ranges from 15,000-60,000 per year. Analysis of IFTA statements indicate the bulk of annual mileage in state of
domicile with remainder tallied in surrounding states only.
In comparison, the average general freight unlimited radius trucking firm will average upwards of 90,000 miles per power unit with
IFTA report analysis indicating operation in any number of states.
Specialized Transportation
Risk Management
Robert (Bob) C. Moore, Esq. – Chief Legal Officer & Transportation Program Manager
Christopher P. Nelson - Assistant Vice President, Risk Management – Transportation
Christopher P. Nelson is the Assistant Vice President, Risk Management – Transportation for NBIS. With more than twelve years of
experience in risk management both in the trucking and insurance industry, Mr. Nelson previously served as Executive Director of
Risk Management for RAIR, a division of Lytx (formerly DriveCam). He also served as Manager of Risk Analysis for a large insurance
company that specializes in marketing and underwriting insurance for the transportation industry as well as other senior safety
executive positions with several trucking companies, providing him first-hand knowledge of the challenges carriers face in dealing
with safety and regulatory compliance. cnelson@nbis.com
Kate Lasky – Associate Corporate Attorney
Kate Lasky is an Associate Corporate Attorney for NBIS and its subsidiaries; she has been with NBIS since 2010. Her primary
functions are: Risk Management Support with an emphasis on contract management; ensuring regulatory compliance; handling
communications with the department of insurance; coverage opinions; performing legal research and analysis; and, providing
general legal support to the organization. Ms. Lasky graduated from Rollins College in 2003, and received her paralegal certificate
from Loyola University Chicago in 2004. She received her JD from John Marshall Law School in 2009. klasky@nbis.com
Specialized Transportation
Risk Management
The Safety & Regulatory section includes:
Regulatory Compliance
Resource guide to explain the core FMCSA Standards, including: CSA Safety Measurement System (SMS, Hours-ofService Compliance, Driver Logs & Auditing, Controlled Substance/Alcohol Compliance, Vehicle Maintenance Logs
and Hazardous Materials Handling. A practical guide for your Risk Manager to reference common compliance pitfalls.
Knowing the standards is part of the job, driving compliance across the company starts with the Risk/Safety Manager,
be sure they have the resources to be successful.
Driver’s Manual
This package is easily implemented in the insured company as a FMCSA compliant safe work practices manual
covering Employment Policies, Operating Procedures, Safety & Regulatory through Maintenance, Fuel & Permitting
related to the Specialized Transportation Business.
Risk Assessment Tools
These three Excel based tools are designed to be there before and after any incident, documenting the hours and
financials related to any job site accident. These three tools are a resource to internally manage: 1) Cost and
downtime hours related to collisions, 2) Driver safety and risk analysis, 3) the five categories of cost related to a work
injury.
Safety Metrics Guide
This practical guide outlines a basic set of metrics all carriers should track and manage accordingly. The majority are
the CSA 7 BASICs along with a few cost calculators that will support your company in driving down the costs of certain
risks. Motor carriers also need a measurement system to help them identify where focus is needed and there is
definitely no need to re-create the wheel. Utilizing the framework of the CSA seven BASICs will give you a roadmap as
to how and where to start.
Concrete Pumping
CLASSES OF BUSINESS
COVERAGE FEATURES
Concrete Pumping Operations
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COVERAGES
•
General Liability
Property / Inland Marine
Commercial Auto
Excess/Umbrella
Workers’ Compensation (selected
states)
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•
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Providing coverage for concrete pumps both over-the-road and on the job site
including public streets & highways on the CGL
Motor vehicle laws endorsement amended to include concrete pumps as
mobile equipment
Flexible Additional Insured options available
Deductible incentive endorsement offers up to 50% of deductible waived if
NBIS preferred contractual language is utilized
Deductible Endorsement on Over the Road Claims when CMV Driver has
completed NBIS’ Online Driver Training*
Rob Edwards, Program Manager & ASME B30.27 Chair
TERRITORY
Available in all 50 States
As a member of ASME B30 main committee and chair of the B30.27 committee, Rob led the
development of the safety standard for concrete pumps and concrete conveyors, now an American
National Standard. The standard affects manufacturers, maintenance and inspection personnel, and
pumping personnel. Rob has been in the concrete pumping industry since 1978, starting as a pump
operator. Rob has served the industry in many capacities from designing the original ACPA Safety
Seminar, writing the original Safety Manual and the offshoot coworker safety manual and safety
manual for ready mixed concrete truck drivers delivering to pumps, developing the Coworker safety
training, and co-authoring the certification test and study guide.
redwards@NBIS.com
* Concrete training modules coming soon
Concrete Pumping
Mobile Equipment
The mobile pump “over-the-road” exposure is covered under the general liability policy via the CG 00 01 10 01
policy form (excess and surplus lines) which includes the CG 99 01 11 85 Motor Vehicle Laws endorsement. The
only instance where we have an exposure to mobile cranes on the commercial auto policy is where a specific
state (NY and MA) requires an electronic filing made by a commercial auto carrier. In these instances, NBIS will
manage electronic reporting to state DMV offices.
Vehicle Usage
Class encompasses risks that are hauling their own equipment to and from the jobsite and incidental service
vehicles.
Mileage Profile
Average mileage on supporting service units ranges from 10,000 to 20,000 miles per year with lower mileage on
heavy and extra-heavy units as they sometimes remain onsite throughout the duration of the job.
Concrete Pumping - Risk Management
From the outset of our relationship with our insureds, we provide tools through our Risk
Management Support System (RMSS) so that insureds may educate themselves
concerning the risks in the industry, and more importantly, learn how to effectively
manage those risks. RMSS helps the insured learn how to provide a safer work
environment, manage their claims more effectively, lower their future insurance cost,
and manage a more profitable business.
Risk Management Support System (RMSS)
The RMSS Kit for the Concrete Pumping Program includes:
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RMSS CD – resources available on CD or Online
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Material Placement Safety Standards – ASME B30.27
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Power Line Safety, One to One Rule & Concrete 101 Guidebooks
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Employee Safety Manual
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Hopper Talks (Safety Meeting Worksheets)
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Hose-Whip Accident Prevention Manual
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Outrigger Accident Prevention Manual
Equipment Dealer/Rental
Class of Business
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Equipment Dealer
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Equipment Rental
Coverages
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General Liability
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Property / Inland Marine
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Commercial Auto
•
Excess / Umbrella
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Workers' Compensation
(selected states)
Territory
•
Available in all 50 states
Coverages Features
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10/01 GL Coverage form utilized providing over-the-road coverage form mobile equipment
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High valued equipment can be insured competitively under IM coverage form
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Rigger's Liability available under GL or IM coverage form tailored for each client
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Blanket waiver of subrogation and additional insured endorsements available
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State specific rental agreement language reviewed by in-house legal experts
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Real world Risk Management solutions you can put to work immediately
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Deductible incentive endorsement, offers up to 50% of deductible waived if NBIS preferred
contract language is utilized
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In-house claims handling, 40 years of experience in heavy construction claims
Hank Butler, Program Manager
Hank is the Vice President of Underwriting for NBIS, overseeing Underwriting Teams in Atlanta and Chicago,
as well as Program Manager for the Equipment Dealers Program. Prior to NBIS, Hank was Regional Vice
President with Framer’s Union Insurance,(a QBE Regional Company), Underwriting Vice President for Zurich’s
Mid-Market Construction Division, Branch Vice President, as well as other positons in Commercial and
Construction Insurance. Besides extensive experience with Insurance Companies, Hank has worked in the
alternative market with Pool Administrators and a Program Administrators as well. Hank has been involved in
multi-line Insurance Underwriting for all 50 States.
hbutler@NBIS.com
Do You Have The Right Partner?
BRINGING IT ALL TOGETHER
The Big Picture
Quotation
• Contracts in use
submitted to RM
Team
Premium
Bound
• Accepted Language,
Deductible end
applied
Post Bind
• Site Visits
• RMSS support
• Additional
contracts
Claims
Handling
• In-House expertise
• One adjuster for all
lines
For NBIS, loss control is paramount to profitability. Our loss control services include:
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Online Risk Management Portal for existing insureds.
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Risk Management Support System Kit – delivered post bind.
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On-site training and education (classes).
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Contract analysis and recommendations for all insured business contracts to ensure optimum risk transfer and
jurisdictionally appropriate indemnification wording.
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Provisions in the policy that trigger deductible credits for preferred contract language at the time of loss.
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Rehabilitation of under-performing risks via a specific risk services plan tailored to the insured utilizing cause of
loss data, mock DOT audits, and multiple on-site visits from NBIS loss control representatives to verify progress.
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Regional seminars in industry best practices.
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NBIS risk management team members sit on two government regulatory committees focused on the heavy
construction and transport industry.
Our underwriting, claims, and loss control (risk mitigation) teams are best-in-class and when married with a carrier
partner that complements our team, profitability will ensue.
Do You Have The Right Partner?
SUBMISSION REQUIREMENTS
Submission Requirements
General Liability
Inland Marine
& Property
Commercial
Auto
Umbrella
Excess
Acord Sections
Acord Sections
Acord Sections
NBIS Supplemental Application
5 years Current Value Loss
History
NBIS Supplemental Application
5 years Current Value Loss
History
Vehicle Schedule with Cost New
5 years Current Value Loss
History
Equipment Schedule
Driver Schedule
Vehicle Schedule
Operator Certifications
Motor Vehicle Reports – All
Driver’s
Underlying CGL Quotation
Equipment Inspections
Underlying Auto Quotation
Safety Program
Employer’s Liability Carrier/Limit
Lease/Rental Agreements
Send your accounts today! submissions@NBIS.com
Do You Have The Right Partner?
QUESTION & ANSWER
Next Steps
• NBIS is pleased to have this opportunity to
review our programs and industry experts
with you.
Send your submissions to us Today :
submissions@nbis.com
• Questions? Contact us:
– 866.668.NBIS
– contactus@NBIS.com
– www.NBIS.com