General Liablility

Essential Services & Programs, Inc. (ES&P) saves money for its clients by settling client claims in less time and with lower settlement amounts - and at competitive rates. ES&P takes the guessing out of claims management.

We reduce our clients’ financial exposure
and claim costs by taking a proactive stance.

An independent actuarial company conducted an audit of ES&P’s claims and found the following:

ES&P settles liability claims 3 times faster and for 45% less than the industry standard.

We keep over 50% of the client indemnity payments under $2,820, with 80% expected to settle for less than $14,245.

We close 50% of our claims within 283 days of the date they are reported while more than 90% are closed in less than three years.

How is ES&P able to accomplish such outstanding results?

Firstly, we immediately investigate reported incidents that may lead to a claim. The faster this is accomplished the less chance of a formal claim being asserted. Additionally, ES& P provides the following benefits:

• 800 Number First Reporting
• Prompt investigation
• Prompt claimant/attorney contact
• Aggressive claim adjusters

We tender the claim, if possible, to responsible third parties to minimize our clients’ exposure and expense.

Auto Liability

ES&P provides aggressive automobile claims management that reduces claim payments - which means you enjoy reduced insurance premiums.

We settle automobile claims in less time and for lower settlements.

We accomplish this through a series of unique steps, including:

• 24 Hour Emergency Claim Reporting
• 800 Number First Reporting
• Prompt Claimant Contact

We do this utilizing our:

• Experienced Automobile Claims Staff
• In-House Investigators in Our Special Investigation Unit
• Panel of Defense Attorneys
• Subrogation Recovery Specialists
• State-of-the-art Computer Programs

These assets have lead to our success in:

• No-Fault Payments That Are Well Below Industry Standards
• Property Damage Payments That Are Well Below Industry Standards

At ES&P, we know how to get results for our clients. We save them money by immediately investigating reported incidents that may lead to a claim. Once a claim is filed, we settle claims in less time and for lower settlements. In short, our professional staff takes the guess-work out of auto claims management and replaces it with experience and knowhow. You benefit through:

• Prompt investigation.
• Prompt claimant/attorney contact.
• Comprehensive Fraud investigations.
• Reduced fees for non-allocated expenses (IME’s; attorneys; mediations; investigators; bill review; etc.).

For more information on Auto and General Liability Claims
Management Services, please call Marie Schlichtig at 516-773-8653.