Since its founding in 2003, ES&P has delivered exceptional:

Claims and Risk Management Services


ES&P partners with you to exercise control over claims, avoid the unexpected, mitigate losses, get claims paid quickly, and restore order. Staffed by seasoned claims advocates, your ES&P team is agreed to at time of hire and cannot change without your consent. For the highest exposure losses, we deploy our Complex Claims Team (CCT). The CCT is helmed and staffed by our in-house insurance defense litigation attorneys with almost 50 years of experience handling high value casualty losses, lawsuits, and investigations. You also benefit from free, unlimited access to view your claims, 24/7, via FileHandler, our state-of-the-art secure web-based system. Additionally, you receive access to ES&P’s sureClaim software providing essential analytics, loss trending, and other analysis used to track locations, loss types, and other data points key to identifying areas where loss prevention measures should be taken.

Investigative Services

We keep settlement payments down by performing a complete and thorough investigation of liability and damages to ensure claims are not overpaid. We scrutinize medical records and secure all necessary documentation and information needed to defend a case. Our team of experts digs deep into social media, surveillance footage, and the ISO Central Index Bureau, lessening your exposure. ES&P also performs ongoing training and webinars on key litigation trends in states of focus to stay ahead of issues that might impact defense of liability claims. Ultimately, lower defense claims and claim payments translate to better premiums for our clients.

Loss Control

Proactive risk management programs and strategies mitigate the risk of losses. As you decrease the risk of losses, the results are lower premiums with increased safety, productivity, and profitability. Services include on-site inspections, employee training seminars, and business continuity plans. ES&P also uses leading investigative firms to handle post-accident loss investigations trained in the most up-to-date electronic and physical media and methods for handling loss investigation.

Pre-Loss Consultation

Believing that the best defense is a good defense, our in-depth investigative services cover not just post loss, but PRE-loss consultation and training on how to handle accidents. In fact, knowing how to investigate losses before they occur is mission critical. We provide strategic training using cutting edge techniques, interactive video instruction, and legal counsel from leading defense litigation firms that serve as ES&P strategic partners. We stand ready to audit your investigation processes, provide critical insight, and help you build capabilities from the ground up where they are not currently deployed.

Legal Spend Monitoring

We keep legal fees in check by insisting on compliance with our stringent litigation guidelines. ES&P can also help your company save on its legal spend through our partnership with Sterling Analytics, a leading auditing company owned by SterlingRisk... Working with Sterling Analytics, we audit and analyze your past legal bills against the industry’s best practices, build or overhaul outside counsel billing guidelines, help maximize the effectiveness of e-billing software, and consult on implementing successful alternative cost-saving solutions. Consistent legal invoice review ensures compliance with billing guidelines and can yield you combined savings up to 20% annually.

Service Agreement Review

Service agreements list the type of insurance coverage the service provider must possess, such as workers’ compensation, commercial general liability, professional liability, or property insurance. At ES&P, we have a deep bench of consultants on staff to assist with review of vendor, contractor, and other service agreements, providing essential advice on issues related to risk transfer – a key ingredient to capping exposure for any self-insured program.

Essential Services & Programs (ES&P) is an experienced, hands-on third-party administrator. Our highly committed claims specialists and attorneys average more than 25 years in the business.