Our Services
Subcontract Management
Identify and mitigate any risks to your organization with subcontract management.
We review your subcontractor agreements with you to identify and assess any risks, emphasizing pass-through clauses. This mitigates any risk to your contract as well as your organization, increasing profitability.
Experience Mod Projection
Navarra Insurance is here to help you determine your EMR and compare it with competitors.
We project workers’ compensation modification factors and analyze the impact of insurance claims. This can help you compare your organization with others of similar size.
Experience Mod Rating (EMR) Cost Containment
Pay low premiums on workers’ compensation with guidance from Navarra Insurance.
We predict and benchmark experience mod ratings to help you manage payroll and claims, and lower your score. The lower your experience mod rating, the lower the premiums paid on workers’ compensation coverage.
Contract Review Services
Mitigate risk while on the road with help from Navarra Insurance. Create a culture of safe driving with our customized programs.
Navarra Insurance evaluates your written provisions in order to compare them with existing insurance coverages.
Insurance-related documentation is reviewed, including the client’s indemnification, waiver, and other written provisions that the client has entered. This ensures that the client fully understands the terms and conditions of the written contract.
Safety & Loss Control
Navarra Insurance takes the steps to limit workplace injuries while reducing the cost of any claims made.
It is important to minimize risk via a workplace safety and loss control program. This mitigates the cost and severity of accidents and claims made when injury occurs at the work site. Being proactive in these cases is vital, including Annual Safety Planning and Needs Analysis.
Business Fleet/Automotive
Navarra Insurance makes Business Fleet/Automotive coverage easy and the claims fast.
If you have employees driving their personal vehicles for company usage or multiple vehicles as part of a fleet, it is a necessity to have Auto Liability coverage with a partner you can trust.
We at Navarra Insurance are prepared to help you identify the coverage that is best suited for your needs with a thorough and experienced take on your business needs.
Cyber Liability
An absolute necessary coverage for a digital world, explained in an easy way. Protect your assets, protect your customers, and your intellectual property.
It’s not easy for most to see the value in cyber liability insurance until after they have had their companies information stolen. Maybe a disgruntled employee has taken client information and access to resources with them on the day of their termination or user error has caused your customer database to be held ransom by an unknown actor.
Our goal is to make sure whatever threat may be presented you are able to come back stronger and without a major negative impact on your organization.
Every day hackers are finding new ways to penetrate businesses via the internet. Navarra insurance can provide coverage so you can mitigate the threats.
Bond & Planning
For small to large contractors bonds are a necessity in order to properly perform work and bid them out.
Navarra Insurance takes the time thoroughly reviewing your finances in order to provide recommendations around your bonding requirements. We also provide services around bond capacity estimation, negotiation of bond rates and determination of personal indemnification requirements.
Audit Advocacy
Advocacy threat is basically defined as when a member of an organization will not act with objectivity because their interests (the member) go against the best interest of the client they are representing. For example this could be an investment advisor that is a 10% shareholder in the company they are advising on, possibly altering their advice.
Advocacy threat is basically defined as when a member of an organization will not act with objectivity because their interests (the member) go against the best interest of the client they are representing. For example this could be an investment advisor that is a 10% shareholder in the company they are advising on, possibly altering their advice.
In order to effectively confirm accurate categorization we will review payroll descriptions and classifications. We will verify a carrier’s accuracy by reviewing audit results.
Fleet Safety
Mitigate risk while on the road with help from Navarra Insurance. Create a culture of safe driving with our customized programs.
We establish safety policies and proper procedures for cases of vehicles, drivers, and road exposure. This includes driver training, proper communication, and positive incentives for safe behaviors, therefore reducing costs and risks associated with accidents.
Q&A
What is a Contract Bond?
A contract bond helps ensure that the obligations of a construction contract will be met and it gives your clients peace of mind when working with you.
What is a Commercial Bond?
Typically required by state laws and various industries and guarantee some aspects of principal occupation. This guarantees specific performance under an agreement. For industries like Construction, it may be the requirement of waste removal that makes this type of surety bond a necessity.
What is a Permit/License Bond?
Often collateral is required for specific licenses or permits in order to do business.Typically federal, state, or local laws require this type of coverage.
Navarra insurance has been helping companies navigate Surety Bonds since 1990. We will hap find the one that is right for you because we know your industry and the requirements involved for the correct coverage.
Wealth Management or Wealth Planning. We’re Here to Help.
Address
125 Warrendale Bayne Rd., Suite 325
Warrendale, PA 15086
Contact
724-940-1700
rnavarra@navarrains.com