Standard Products offered by NIF include package, auto and workers’ compensation coverages. Coverage for qualifying risks is written in partnership with Liberty Agency Underwriters. All products are written on an admitted basis and are available most states.*

• BusinessOwner Program – spans over 400 classes of business, including retail operations, office exposures and wholesalers - as well as specialty programs for florists, dry cleaners, and animal service programs, including professional coverage.
  
  
• Ultra Specialty Service Program – includes over 230 specialty classes for service contractor operations, consultants and home-based business, including Internet retailers. Our top selling classes include lawn care services, mobile glass repair and cable TV installation and repair.
  
  
• BOP Access – When the insurance need is a bit more complex, this package insurance program may provide the solution. The program includes Business Income coverage on an actual loss sustained basis, and our Flexible Limit Endorsement which can be customized to meet the client's specific needs. The program is open for restaurants, caterers, hotels, auto repair and service shops and lighter hazard manufacturing operations - to name a few.
  
  
• Commercial Automobile – Have autos traveling within a 200-mile radius? This may be the coverage for you. Policies include a blanket waiver of subrogation, blanket additional insured coverage, employees as insureds and hired car physical damage with a $50,000 limit - as provided by our Auto Plus Endorsement.
  
  
• Workers Compensation – While we prefer supported business, monoline coverage is available in 33 of our operating states for non-contracting business.
  
  
• Umbrella –Coverage is provided up to $5,000,000 for applicants with supporting general liability and automobile coverage.

NIF underwrites non fleet and fleets for many classes of business. We can write light or medium weight trucks and private passenger autos that are company owned and used. Classes of business desired are mercantile, service and office risks. Vehicles garaged in the five boroughs of New York City are not eligible. Risks where all drivers have less than 3 violations and employees are prescreened is preferred.

For more information about this products:

Products Provided by:

Policies may be underwritten by the following companies:

• American Economy Insurance Company
• American States Insurance Company
• American States Insurance Company of Texas
• First National Insurance Company of America
• General Insurance Company of America
• Safeco Insurance Company of America

The above description is intended to be general in nature, and is subject to and controlled by the terms, conditions and exclusions stated in the actual policy forms.