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Frequently Asked Questions

Contact Information

Who are the main contacts at HUB on the NRMC Program?

Effective November 1, 2013, HUB International, Ltd. became the servicing broker for the NRMC Program of Insurance.  NRMC's main contacts at HUB are:

Renee Guthart, CPCU
Vice President
Manager - Risk Management Division
HUB International Northeast
100 Sunnyside Blvd
Woodbury, NY 11797
Office Phone:  516.677.4947
Cell Phone:  516.368.6645
Email: renee.guthart@hubinternational.com

For Insurance Certificates:  

                     Anna Heredia
                     anna.heredia@hubinternational.com
                     516.677.4824

Claims should be reported as follows:

                     To the central Claims Line:  NRMCClaims@hubinternational.com
                     Via Fax # (F) 917.934.4657 or 917.934.4536

                              Or to:

                      Jill Fisher, AIC
                      Senior Claims Examiner - Strategic Claims Management
                      Direct Dial # 212.338.2338
                      Jill.Fisher@hubinternational.com

And, you are always welcome to contact our Executive Director, Deborah Aschheim. 

Who is the main contact at NRMC on the NRMC Program?
Contact Deborah Aschheim, Executive Director, Neighborhood Risk Management Corporation,
30 Broad Street, Suite 1429, New York, NY 10004 
               daschheim@neighborhoodrisk.org , 
212.509.6762


Who are the members of the NRMC Board of Directors?
The current Directors of NRMC are:
  • Patrick Madden, President & Director -Troy Rehabilitation & Improvement Program
               patrick@triponline.org , 518.272.8289
  • Jim Ferris, Director - NeighborWorks Capital Corporation
               jferris@neighborworkscapital.org , 240.821.1651
  •   Fred Lazare, Director - Avenue CDC
               fredl@avenuecdc.org , 713.864.8099
  • Ken Mutter, Director - Neighborhood Housing Service of Orange County
               kenm@nhsoc.org , 920.448.3075
  • Jeanne Pinado, Vice President, Asst Treasurer and Director - Madison Park Devel. 
               jpinado@madison-park.org , 617.541.3900
  • Tim Thorland, Director - Southwest Housing Solutions   
               tthorland@swsol.org , 313.841.3727
  • Judi Patrick, Associate DirectorCommunity Resources and Housing Development Corp.
         
    jpatrick@crhdc.org,  720.542.6561   x201


Membership in NRMC

What are the qualifications for membership in NRMC?
Membership in NRMC is open to qualified not-for-profit organizations that provide multi-family affordable housing in the United States.  For more information on membership click HERE.


How can an organization apply for membership in NRMC?
Contact Deborah Aschheim, Executive Director, Neighborhood Risk Management Corporation,
30 Broad Street, Suite 1429, New York, NY 10004 
               daschheim@neighborhoodrisk.org , 212.509.6762


Coverages included in the NRMC Program

What coverages are included in the core NRMC Program policies?
The following coverages are included in the core NRMC Policies: Property (Real and Personal), Business Interruption, Extra Expense, Rental Income, Flood, Earthquake, Equipment Breakdown (Boiler), Builder's Risk (for buildings being kept in long term rental portfolio), Vacant Buildings, Vacant Land, Personal and Advertising Liability, Employee Benefits Liability, General Liaiblity, Automobile (including Hired, Non-Owned and Garagekeepers Legal Liability) and Umbrella Liability.

Information relating to our coverages can be obtained from HUB, our insurance broker.


Ancillary Coverage Information

What coverages are not included in the core NRMC Program and would require separate placement?
The following coverages are not included within the core NRMC Policies: Crime coverages, Directors & Officers (D&O), Employment Practices Liability (EPL), Professional Liability (PL), Special Events, Workers' Compensation (WC), Fiduciary, National Flood Insurance Program (NFIP) coverage, Pollution Liability, Builders Risk Liability (BRL) coverage for properties intended to be sold. HUB can assist our NRMC members with these placements.

Where can I get copies of applications for ancillary coverages?
There are several different markets that can be used. You can contact Renee Guthart at HUB for more information:

                               Renee Guthart, CPCU, Vice President
                               Manager - Risk Management Division
                               HUB International Northeast
                               100 Sunnyside Blvd
                               Woodbury, NY 11797
                               Office Phone:  516.677.4947
                               Cell Phone:  516.368.6645
                               Email: renee.guthart@hubinternational.com

Basic Policy and Coverage Information

Where can Members get a copy of their current schedule of locations?
Members can obtain a schedule of their insurance property locations in their member folder in the NRMC web portal at https://account.willis.com/ (and then enter your username and email address).  The schedule of locations is located in the Members Services section in a folder called "Location Bordereauxs".

Where can Members get a copy of my current loss runs?
Members can obtain copies of their loss runs and other information on their losses in their member folder in the NRMC web portal  at https://account.willis.com/ (and then enter your username and email address).  The loss runs are included the Members Services section in a folder called "Loss Runs".

Where can someone obtain a copy of the NRMC program policies?
NRMC Members can obtain copies of the NRMC Program insurance policies on the NRMC web portal at https://account.willis.com/ (and then enter your username and email address). The policies can be found under Shared Documents/NRMC PROGRAM/Insurance Policies. Non-Members of NRMC can obtain coverage and policy information from Willis at www.willis.com.

What coverages are provided by NRMC?
See the NRMC Highlights of Coverage document.  It is posted on the NRMC web portal at https://account.willis.com/ (and then enter your username and email address) under Shared Documents/NRMC PROGRAM/Insurance Policies. 

What are the total General Liability (GL) limits for the NRMC Program?
See the NRMC Highlights of Coverage document, posted on the NRMC web portal at https://account.willis.com.  /NRMC PROGRAM/Insurance Policies.  Non-Members of NRMC should contact Renee Guthart, CPCU, Vice President,   Manager - Risk Management Division, HUB International Northeast, 516.677.4947   or renee.guthart@hubinternational.com.

What are the total Property limits for the NRMC Program?
Members should visit the NRMC Highlights of Coverage document, posted on the NRMC web portal at https://account.willis.com.  Non-Members of NRMC should contact Renee Guthart, CPCU, Vice President, Manager - Risk Management Division, HUB International Northeast, 516.677.4947   or renee.guthart@hubinternational.com.

What are the total Umbrella limits for the NRMC Program?
See the NRMC Highlights of Coverage document posted on the NRMC web portal at https://account.willis.com.


Claims Information

How does a Member report a claim?
Members should complete one of the Loss Notice forms for Property and/or General Liability and email them to the claims dept. or you can call in the claim to the Claims Hotline 24/7/365.

               NRMCclaims@hubinternational.com
               Phone: 212.338.2338 or 212.338.2885
               Fax: 917.934.4657 or 917.934.4536

Where can a Member obtain an NRMC Claim Kit and NRMC Loss Notices?

               NRMCclaims@hubinternational.com
               Phone: 212.338.2338 or 212.338.2885
               Fax: 917.934.4657 or 917.934.4536

Where can a Member obtain information on the status of a claim?
NRMC Members can obtain information on claims, including updates on the status of claims, from HUB. Contact Jill Fisher or Maryann Iannuzzo.

               Jill Fisher: jill.fisher@hubinternational.com, 212.338.2855           
               Maryann Iannuzzo: maryann.iannuzzo@hubinternational.com


Certificates of Insurance

How can a Member get a certificate of insurance or to correct/change a certificate for coverage under the NRMC Program?
Members should contact the Anna Heredia directly by emailing certificate information to her at: anna.heredia@hubinternational.com.

Are certificates sent directly to the certificate holders?
Yes, all certificates are mailed by HUB directly to the certificate holders. 

What if a Lender requires a specific insurance certificate?
HUB can only provide ACORD 27 or 28 on Property and ACORD 25 on Liability based on new Federal regulations.  HUB is unable to provide any other forms.


Risk Control Information

Where can someone obtain NRMC risk control information?
In addition to the informaiton contained on this website, Members are directed to the  Risk Control team at HUB:

               Guy Gioino, guy.gioino@hubinternational.com, 908.790.6858
               Chris Dunlap, chris.dunlap@hubinternational.com, 908.790.6837


Retention Information

What is an "Annual Aggregate Retention"?
The Retention is an annual amount underwriters have determined that is set aside to pay approved claims. This amount is part of your total premium.  


How does a Retention work?
On the property coverages, the Retention pays approved claims in excess of the deductible.  On the liability coverages, the Retention pays claims within the Self Insured Retention (SIR).


Who determines the amount of the Retention in the NRMC Program?
The primary insurance carriers, in consultation with HUB and the NRMC staff, determine the amount of the Retention for each line of business applicable.


Premium Financing

What is Premium Financing?
Premium Financing allows a Member to spread itsinsurance payments over several months instead of paying in one lump sum.  The finance company charges an Annual Percentage Rate (APR).  A minimum downpayment to HUB (to pay the carriers) may be required, and the balance of payments are made over the remaining months.   NRMC, through our insurance broker, HUB, has arranged for Premium Financing  for our Members.


How can Members obtain further information on Premium Financing?
Contact one of the following team-members at HUB:
  • Renee Guthart
               renee.guthart@hubinternational.com, 516.677.4947
  • Ken Schreiber
              ken.schreiber@hubinternational.com, 212.338.2270
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  • Our Mission
  • Our Members and Membership
  • History
  • People
  • Group Insurance Program
  • Insurance Program and Coverages
  • Glossary of Insurance Terms
Neigborhood Risk Management Corporation | 30 Wall Street, Suite 800, New York, NY 10005 | Office: 212.509.6762 | Mobile: 917.882.9949
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