Agribusiness organizations face unique risks tied to natural disasters, supply chain disruptions, food safety and evolving regulations. Tailored agribusiness insurance solutions protect operations from the ground up — from the field to the distribution center — safeguarding assets, ensuring compliance and preserving profitability in a changing agricultural landscape. Integrated benefits strategies keep the workforce healthy, loyal and protected while managing compliance and cost pressures unique to agriculture. Solutions include property and equipment insurance, supply chain and business interruption coverage, product liability and food safety coverage, environmental liability coverage, workers' compensation programs, and cyber liability protection for smart farming technologies.

Customized aviation industry insurance solutions protect aircraft, operations and reputation for aircraft owners, airports, aerospace manufacturers, MROs and UAV operators. End-to-end protection manages liability, ensures continuity and safeguards high-stakes operations through hull and liability coverage, airport liability insurance, products liability for manufacturers and MROs, cyber liability, environmental liability and specialized workers' compensation programs. Navigating benefits complexity with precision, industry solutions support ramp agents to executives through cost-effective programs that address safety, retention and regulatory alignment. International benefits design, tailored wellbeing solutions and high-impact retirement strategies keep teams future-ready.

Information sector companies operate in fast-paced, high-stakes environments. Partners with publishers, broadcasters, studios, telecom companies, and data and tech firms to deliver strategic benefits, insurance and risk solutions that keep people protected and productions running. Key capabilities include cyber liability and network security coverage, media liability/errors and omissions (E&O), intellectual property protection, technology professional liability and workers' compensation programs for tech workers, content creators and gig-based teams. Medical and Rx transparency solutions, executive benefits for high-visibility roles, event and production risk insurance, mental health and wellbeing tools, and HR support and compliance round out an integrated approach for a workforce that is mobile, diverse and always on a deadline.

The construction industry is complex, with labor shortages, global uncertainty, worker safety, cyber threat and claims management among the most pressing challenges. Consulting industry veterans from the specialty Construction Group work with contractors, service providers and suppliers, and owners and developers to ask the right questions and find actionable answers — decreasing total cost of risk while enabling business growth. Beyond standard coverages, deep expertise in construction-based property and casualty equips advisors with coverages specific to every aspect of the industry, including professional liability for architects and engineers, contract and commercial surety support, claims management, contract review, HR support, risk management consultation, workforce engagement and workers' compensation.

Education touches every part of communities — from schools for children to classes helping adults meet the future. A strong workforce and smart risk management keep educational institutions thriving. Risk takes different forms, including building and equipment coverage, management and employment practices liability, active shooter coverage and more. Because one of the greatest risks to a learning institution is losing the instructors at its heart, excellent benefits are vital. Solutions span property and casualty coverages, wellness programs, revitalized workers' compensation and disability coverage, delivering comprehensive, future-forward support for professionals at every level.

Doing business in the energy industry brings inherent risks due to potentially dangerous processes and equipment, natural disasters, legal compliance issues and more. An innovative brokerage group with more than 200 years of combined industry experience develops comprehensive insurance programs and risk management solutions for evolving environments, serving upstream oil and gas, oilfield service contractors, exploration and production, midstream/downstream, refineries, pipelines, power generation, and renewables including wind, solar, battery storage and hydrogen. Capabilities include actuarial modeling, captive structures, ESG navigation, large and complex claims consulting, cyber liability, environmental liability, marine, surety, trade credit and reinsurance. Specialists maintain relationships with domestic and international energy and power underwriters to customize coverage at the most competitive rates.

Utilities and environmental services companies — including waste management, water and sewage treatment, power utilities and remediation — face unique operational and regulatory challenges. Targeted insurance and risk management solutions help organizations remain compliant, financially secure and reputation-resilient in a shifting regulatory environment, with coverages including pollution legal liability, contractors pollution liability, site-specific environmental coverage, environmental professional liability and business interruption from environmental events. Helping environmental organizations balance operational risk with employee wellbeing, integrated solutions span pollution liability, regulatory compliance, medical transparency and people-first workforce strategies — from job sites overseeing hazardous materials to managing multi-location storage tanks.

Banks, insurance companies and investment managers face increasing challenges including threats of catastrophic cyberattack, volatile financial markets, increased scrutiny and regulation, and lurking talent poachers. The Financial Institutions Group provides strategic solutions driven by robust analytics, helping organizations protect customer funds, keep information safe from security breaches and cyberattacks, manage regulatory risk, stay compliant and ensure directors and officers are covered. The group supports benefits administration and planning, with deep BOLI expertise to help banks offer enticing executive benefits specifically tailored to financial institutions. Specialized resources span banks and credit unions, insurance companies and investment managers, with a dedicated team that understands the public-facing responsibilities and unique risk landscape of financial services.

Healthcare organizations face complex regulatory environments, workforce shortages and heightened liability exposures. Tailored insurance, benefits and risk management solutions help healthcare facilities and professionals safeguard patient care operations, manage professional liability and protect their people. Integrated solutions address property and casualty coverages, cyber liability, medical malpractice, EMS medical directors, employee benefits and workforce wellbeing programs designed specifically for health systems, hospitals, outpatient facilities and healthcare professionals.

Running hospitality venues and recreation businesses of all kinds comes with unique challenges including cyber exposure, complicated and inconsistent state laws, changes in minimum wage, shooting and terrorism risk and standard looming liabilities. The Hospitality and Leisure Group helps root out overlooked opportunities for risk and places top-tier coverage while increasing efficiency through audits and strategic support. Experience spans bars, restaurants and taverns, hotels and resorts, lodges and bed and breakfasts, campgrounds and RV parks, dude and guest ranches, hunting and fishing lodges, guides and instructors, gun ranges, parkour gyms and skate parks, trap, skeet and sport clay operations, and tours and operators. Beyond property and casualty coverage, the group helps attract, retain, manage and reward the workforce backbone.

Legal service providers face high exposure to professional liability, cyber breaches and regulatory scrutiny. Tailored coverage for legal malpractice insurance, cyber liability, directors and officers, and employment practices liability protects reputation, client trust and firm continuity for law firms, legal consultants, advisory firms and corporate legal departments. Law firms compete for talent, trust and time. Integrated benefits, wellbeing and leadership programs reduce burnout risk, improve retention and protect margins. Medical and Rx transparency solutions, executive and partner benefits, well-being and workload support, and financial wellness programs for associates and staff all help law firms stay competitive in the talent marketplace.

Life sciences organizations operate at the cutting edge of innovation but face heightened regulatory risk, workforce complexity and the pressure to scale with precision. Integrated benefits strategies specifically calibrated for the life sciences sector support organizations from research and development through commercialization, covering executive and R&D talent benefits, medical and Rx transparency solutions, retirement and financial wellness, compliance and fiduciary risk, and wellbeing programs. Deep-sector expertise supports pharmaceutical and biotech and medical device organizations with specialized risk strategies across product liability, IP protection, regulatory compliance and clinical trial coverage. Solutions include cyber and privacy liability, product liability insurance, contamination and exposure risk insurance, clinical trials coverage, property and equipment protection, and regulatory compliance support for FDA and global frameworks.

Manufacturing companies face complex, evolving risks from supply chain disruption and equipment breakdown to product recalls and workforce safety. Integrated employee benefits, disability, executive retention and risk management solutions help manufacturers stay competitive and protect their people — from the production floor to the C-suite. Key solutions include medical and Rx transparency, workforce safety and disability benefits, executive and succession benefits, human capital strategy, wellbeing and mental health programs and retirement and financial wellness. Customized property, casualty, liability, cyber and environmental solutions protect manufacturers across product liability coverage, supply chain and contingent business interruption insurance, cyber liability for industrial control systems, workers' compensation, environmental liability and equipment breakdown insurance. From small shops to global plants, advisors design benefits and risk management strategies that deliver.

Running a town, school district, or public service organization requires a strategic partner who understands the unique challenges faced by municipalities, school districts, emergency services, utilities and public agencies operating within fixed budgets. Specialists with decades of direct municipal experience provide tailored insurance, benefits and risk management solutions designed to optimize costs while protecting people and assets. Comprehensive benefits solutions span medical, dental, vision, retirement, disability and voluntary benefits, with deep expertise in union and nonunion workforce dynamics, collective bargaining compliance, actuarial and financial analysis. Property and casualty insurance covers liability, property damage, cyber threats and specialized municipal risks such as officer and public official exposure.

Nonprofits are mission-driven, people-powered and often resource-constrained. Specialized benefits strategies align with organizational values, budget and people through student loan and financial wellness tools, executive benefits with public optics in mind, cost containment and fiduciary compliance support, wellbeing and mental health programs and scalable human capital solutions. Comprehensive nonprofit insurance solutions go beyond standard insurance placement to address liability, volunteers, cyber threats and donor trust. Key coverages include volunteer and participant accident coverage, directors and officers insurance, event and special program insurance, cyber liability protection, employment practices liability and general liability insurance.

Deep expertise in risk management for middle-market PE firms, with the knowledge and capacity to assist firms of all sizes, backed by international capabilities to insure clients across the globe. Key solutions include transaction protection through reps and warranties and due diligence expertise, portfolio consistency for P&C, benefits, retirement and human capital, management liability protection, cyber protection and operational continuity coverage. Integrated risk, leadership and workforce protections reinforce long-term value through strategic executive benefits that retain founders and operators, benefits that reduce turnover, and cost-control strategies for healthcare and pharmacy spend. Advisors identify risk early, create consistency across the portfolio and scale programs as investments grow.

Professional services firms succeed when they attract and retain top talent, deliver client value efficiently and protect their reputation. Integrated benefits, retirement planning and executive compensation are aligned with operational needs, and robust risk management ensures firms can focus on serving clients. Solutions include executive benefits, Rx and transparency solutions, wealth and retirement programs, wellbeing and engagement tools, and cyber and E&O coverage. Specialized property and casualty insurance addresses professional liability and D&O, cyber liability, employment practices liability and property and business interruption coverage for consultants, accountants, architects and engineering companies. The talent landscape of professional services is competitive, making benefits, retirement and employee compensation alignment critical.

Whether a real estate owner, operator, manager or developer, success requires addressing asset value instability, reputation concerns, economic and interest rate fluctuations, property damage, regulatory issues and capital and credit availability. The Real Estate Group comprises specialists in real estate risk management who work with owners, developers and property managers to confront a variety of industry challenges through customized coverage for assets. An extensive range of industry partners enables the most cost-effective solutions with the broadest possible coverage. Beyond liability, benefits professionals support through compliance, actuarial analysis, HR administration and employee communication, and benefits strategy and planning.

Retailers and wholesalers operate in a world of constant change comprising shifting consumer behavior, workforce challenges and supply chain disruptions. Success depends on keeping employees engaged, protecting margins and safeguarding against risks that can impact operations and reputation. Key solutions include Rx and transparency, human capital solutions for wage and labor compliance, wellbeing programs for diverse workforces, executive benefits and supply chain risk coverage. Customized property and casualty insurance solutions protect physical stores, warehouses, e-commerce platforms, employees and brand reputations through general liability and product liability, cyber liability, property and business interruption coverage, workers' compensation, supply chain and contingent business interruption insurance, and employment practices liability.

Sports teams, venues, production companies, event organizers and entertainers face highly visible operational, liability, cyber and reputational risks. Tailored property and casualty solutions protect live events, productions, leagues, athletes, artists, staff and fans through general liability and event liability coverage, cancellation and non-appearance insurance, cyber liability, property and equipment coverage, employment practices liability, contingency coverage for sponsorship and media deals, and medical malpractice coverage for team trainers and doctors. People-first benefits strategies protect the people and moments that matter most, combining risk management, talent retention, executive benefits and HR strategies that help retain star talent. Solutions include medical and Rx transparency, executive and talent retention planning, event and production risk management, mental health and wellbeing programs and retirement and financial wellness.

NFP helps trade service organizations and the skilled trades and maintenance teams that power them address the realities of demanding, physically intensive and irregular work. From managing safety and injury risk to building long-term retention and succession strategies, benefits, risk management and workforce planning are aligned with the day-to-day challenges of trade labor and field operations. Solutions include ancillary benefits and disability, Rx and transparency, executive and key person benefits, retirement and financial wellness, and wellbeing and workforce planning. Skilled trades and maintenance providers face operational risks tied to worksites, tools and employees. Tailored insurance programs cover commercial auto, inland marine for tools and equipment, workers' compensation, surety bonds, employment practices liability and employment of cutting-edge technology for enhanced project management and decision-making.

Transportation, distribution and logistics companies face complex risks related to cargo integrity, regulatory compliance, driver safety, cyber threats and supply chain disruptions. Comprehensive property and casualty insurance strategies designed for freight carriers, logistics operators, distributors and supply chain managers include commercial auto and fleet insurance, cargo and inland marine coverage, cyber liability, workers' compensation programs, business interruption and supply chain coverage, and environmental liability. Helping transportation and logistics companies support their most important asset — people — integrated solutions built for mobility, compliance and retention serve CDL drivers and warehouse teams to dispatchers and executives. Solutions include medical and Rx transparency, workforce safety and disability programs, driver retention and executive benefits, HR tech and communications strategy, mental health and resilience programs and retirement and financial wellness.

People-driven employee benefits solutions encompassing healthcare plans, benefits administration, and compliance frameworks designed for workforces of all sizes. Integrated wellbeing programs support employee engagement and organizational health across the employment lifecycle.

Tailored compensation and benefits strategies for high earners, including design and implementation of nonqualified deferred compensation and supplemental retirement plans. Corporate-owned life insurance solutions secure executive wealth and business continuity objectives.

Life insurance solutions designed to secure personal and business legacies for individuals and corporate clients. Coverage strategies protect wealth transfer objectives and provide financial security for dependents and business operations.

Critical retirement plan advisory for employers and individuals covering fiduciary compliance, plan design, and investment guidance. Comprehensive services ensure participant outcomes align with retirement security objectives and regulatory requirements.

Proactive management of complex property and casualty risks through comprehensive coverage expertise and personal risk services. Specialty placements and risk consulting deliver tailored strategies to protect assets and mitigate exposure across diverse risk profiles.

HR strategy and talent management services delivering strategic HR advisory, recruiting, and career transition support. Integrated HR technology and leave management solutions enable optimized workforce operations across the employee lifecycle.

Holistic financial planning and wealth management services designed to help individuals and businesses achieve long-term financial goals. Comprehensive advisory integrates investment strategy, wealth preservation, and legacy planning across personal and corporate wealth portfolios.

NFP's Actuarial Services help organizations evaluate financial risks associated with insurance, employee benefits, and pension programs. The team uses statistical modeling to estimate future liabilities, optimize funding strategies, and support pricing decisions. These insights enable better financial planning and regulatory compliance. The service improves long-term risk management and business resilience.

NFP's Analytics service leverages data, predictive modeling, and business intelligence to identify trends, assess risks, and improve insurance program performance. Interactive reporting provides clients with actionable insights for informed decision-making. The service supports cost optimization and operational efficiency through data-driven recommendations. Analytics enhances strategic planning across risk and benefits programs.

NFP helps organizations establish and manage captive insurance companies as an alternative risk financing strategy. The service includes feasibility analysis, captive formation, regulatory guidance, and ongoing management. It enables businesses to gain greater control over insurance costs and risk exposure. Captive solutions strengthen enterprise risk financing strategies.

NFP's Claims Management service assists clients throughout the insurance claims lifecycle, from incident reporting to claim resolution. Specialists work to reduce claim costs, accelerate settlements, and improve communication with insurers. The service also identifies trends to prevent recurring losses. This helps organizations improve operational resilience and claims outcomes.

This service addresses high-risk and complex liability exposures across industries. NFP develops customized insurance strategies, conducts exposure assessments, and provides claims advocacy for challenging casualty risks. The approach minimizes financial impact while improving risk mitigation. It supports organizations with comprehensive enterprise risk management solutions.

NFP's International Placement service helps multinational organizations secure insurance coverage across multiple countries while meeting local regulatory requirements. The service coordinates global insurance programs, policy placement, and compliance management. Clients benefit from consistent coverage and centralized oversight of international risks. This ensures effective management of cross-border insurance needs.

NFP provides safety assessments, workplace risk evaluations, regulatory compliance support, and employee safety training. Consultants identify operational hazards and implement preventive strategies to reduce workplace incidents. The service helps organizations strengthen safety culture and minimize losses. It improves operational resilience through proactive risk prevention.

NFP's Reinsurance service assists insurers and captive organizations in transferring portions of their risk to reinsurance markets. The team provides program design, market placement, treaty negotiations, and portfolio analysis. This improves capital efficiency, financial stability, and catastrophe protection. The service enables clients to better manage large or unexpected losses.

NFP Connect is NFP's proprietary integrated digital platform that provides clients with a centralized portal to manage employee benefits, retirement, property & casualty insurance, executive benefits, and risk management programs. It aggregates data from multiple sources, delivers interactive dashboards, enables secure document sharing, workflow tracking, compliance monitoring, and real-time reporting to improve decision-making. The platform also includes specialized modules such as BOLI and ICOLI administration for financial institutions, offering automated policy management and investment oversight through a single secure interface.