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Essential Services & Programs (ES&P) is a premier third-party administrator (TPA) delivering exceptional claim and risk management, litigation management, investigative services and loss control for clients since 1989.


Licensed throughout the United States and fully SSAE 16 Type II compliant, ES&P reduces your overall exposure and drives down your costs. Our highly efficient claims management team works to get you the best possible results in the least amount of time. We have the actuarial studies to back it up.


With highly committed and experienced claim specialists and attorneys – most with more than 25 years in the business – we are a hand-on boutique TPA with a large-scale national resence. We never segment claims. Small or large, your claim always gets the attention it deserves with the highest level of adjuster experience. We have a broad network of local field investigators that we can utilize if the situation requires it.


We are your claims and risk management partners. We take the time to get to know you and your business. Accessible and responsive, we are your advocates and treat your company like it is our own. Our clients consider us one of their most trusted advisors.


We keep settlement payments down by performing a complete and thorough investigation of liability and damages to ensure we don’t overpay claims. We scrutinize medical records and secure all necessary documentation and information needed to defend a case. We dig deep into social media and the ISO Central Index Bureau, lessening your exposure. Ultimately, lower claims payments translate to better premiums for our clients.