What We Do

At NHG Specialty, we don’t just sell insurance—we help tailor risk solutions. Led by construction executives, not insurance salespeople, our team understands the realities of building and development from the inside out. We design programs that protect your projects, your people, and your profits.

Core Offerings

We specialize in high-impact insurance programs tailored to the construction and development industry. NHG delivers a full portfolio of insurance solutions, with specialized expertise in construction and real estate development. Explore our core offerings below.

Products & Services

Wrap-Ups (OCIP/CCIP)

Wrap-Ups (OCIP/CCIP)

We've placed and helped manage wrap-up programs on some of the largest and most complex construction projects in the country. From high-rise developments to multi-phase infrastructure builds, our wrap-up expertise helps clients streamline coverage, reduce costs, and mitigate risk across the board.

Builder’s Risk

Builder’s Risk

Our builder's risk programs are designed to help protect your project from start to finish. Whether it's a single structure or a multi-site development, we tailor coverage to match your build timeline, budget, and exposure.

Practice Policies

Practice Policies

We help firms secure comprehensive practice policies that help protect their ongoing operations—covering everything from general liability to professional liability and beyond.

Subcontractor Default Insurance (SDI)

Subcontractor Default Insurance (SDI)

SDI is a powerful alternative to bonding, and we know how to structure it to help protect your bottom line. Our team has helped clients implement SDI programs that help reduce risk and improve subcontractor performance.

Permanent Property

Permanent Property

Our builder’s risk programs are designed to protect your project from start to finish. Whether it’s a single structure or a multi-site development, we tailor coverage to match your build timeline, budget, and exposure.

Surety Bonds

Surety Bonds

Including Bid, Performance & Payment Bonds. Unlike many insurance agents and bond brokers,  NHG  is not beholden to any single insurance company. We are one of the top brokers representing sureties in the United States.

Captive Insurance Programs

Captive Insurance Programs

For clients seeking greater control over their risk and cost structure, we help design and implement captive insurance programs that align with long-term business goals. Whether you're exploring a single-parent captive or a group structure, we help you evaluate feasibility, manage compliance, and maximize financial efficiency.

Construction Insurance

Construction Insurance

Including CIC, SDI, Workers’ Compensation, General Liability, Auto, Equipment, Property, Pollution, and Professional Liability.

Risk Management Consulting

Risk Management Consulting

We assess your situation, determine your needs, identify problem areas, and begin a process that helps lead to an appropriate cost of risk.

Health & Benefits

Health & Benefits

Our expertise and local market knowledge help control costs associated with health care and benefit programs by working with vendors to help secure the best solutions for your company.

Safety & Loss Prevention Services

Risk Management Consulting

We assess your company's safety culture and job site practices to help develop a personalized safety and loss prevention protocol that fits your needs.

Policy & Contract Reviews

Policy & Contract Reviews

We thoroughly review insurance requirements on any given project to ensure your bid includes cost of risk—keeping you compliant from the start and avoiding costly delays.

Contact Us

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    At NHG, we don’t just provide coverage—we deliver peace of mind. Our experts help you navigate complex insurance needs so you can focus on building and growing.
     
    Ready to take the next step? Contact us now.