As co-leader of NFP’s Construction and Infrastructure Group, Adrian oversees strategy, operations, and resource deployment across North America.
With extensive experience from Marsh and an academic background from McGill and the University of Chicago Booth School of Business,
he provides leadership in infrastructure finance, risk strategy, and partnership development for major construction clients.
Tom Clifford
SVP, Northeast & Atlantic Leader, Construction & Infrastructure
Tom is the Northeast & Atlantic Leader of NFP’s Construction & Infrastructure Group, overseeing strategy and resource deployment for contractors and developers.
He previously led Lockton’s New York Construction Team and held leadership roles at Aon.
Tom is a licensed P&C professional nationwide, holds a CRIS designation, and frequently speaks on construction risk topics.
He earned his BA in Communications from Quinnipiac University.
Andrew brings over 30 years of experience in construction risk and has advised on more than $60 billion in project oversight.
He leads complex risk transfer programs—OCIPs, CCIPs, builders risk, and contractual risk—and is recognized for advancing analytics-driven RMIS strategies
that enhance project performance and transparency.
Grant oversees construction and infrastructure risk strategy for major projects across the Atlantic region.
With prior experience at Marsh and a strong background in claims, brokerage, and project risk management,
he delivers tailored wrap-up and contractor risk solutions. Grant holds multiple professional designations
and contributes actively to construction industry associations.
Tyler leads NFP’s Construction Property Broking practice, specializing in Builder’s Risk and Contractor’s Equipment programs.
He works with developers, contractors, and insurers to design data-driven property solutions that optimize coverage, minimize volatility,
and deliver measurable program efficiency for clients across North America.
Rich specializes in professional liability placement and advocacy for contractors, engineers, and public agencies.
His background in underwriting and brokerage gives him a balanced approach to coverage design,
risk mitigation, and claims support for complex professional exposures.
Aaron leads NFP’s Construction and Infrastructure claims advisory practice with more than 25 years of legal and risk management experience.
A former partner at Wilson Elser and Turner Construction’s risk lead, he provides strategic advocacy and resolution support on
high-value capital project claims.
Mevan drives digital strategy and analytics innovation within NFP’s Construction & Infrastructure group.
He builds interactive dashboards and automation tools that enhance data visibility,
quantify program value, and support clients in managing risk across major infrastructure projects.
As Operations Specialist for NFP’s Construction & Infrastructure Group, Madeline improves efficiency through data-driven process enhancements and workflow automation.
She develops dashboards, streamlines backend systems with Power BI, Power Automate, and Power Apps, and trains teams to support business growth and client engagement.
Who we are
We build intelligent solutions that merge data, design, and innovation to help organizations make confident decisions in complex environments.
About Us
NFP, an Aon company, is a collaborative network of advisors, technologists, and risk experts. We use insight, analytics, and experience to help businesses manage risk and accelerate growth.
Our Mission
To redefine how organizations approach risk and performance through technology-enabled insight, strategic design, and measurable outcomes.
Core Principles
Human-first design
Data-driven decisions
Partnership over process
Transparent collaboration
Continuous learning
Mission, Vision & Values
Our purpose is rooted in transforming how organizations approach risk and performance — combining insight, data, and innovation to shape a more resilient built environment.
Our Mission
Unlocking the potential of the risk management and insurance industry to create a better built environment. We collaborate across industries, translating data and design into strategies that make projects safer, smarter, and more efficient.
Our Vision
We bring together brokers, underwriters, risk managers, engineers, data scientists, claims specialists, and lawyers to deliver holistic, advisory-led solutions that redefine construction risk.
Versatile Advisors, Holistic Advice
Advisory-led risk management built on collaboration across the insurance and construction ecosystem.
Capturing the Right Data to Drive the Right Insights
We design enterprise and jobsite data frameworks that convert information into actionable decisions.
Risk Control–Driven Brokerage
We deliver better outcomes by focusing on three categories of construction-specific risk control:
Contractual
Contractual models
Alternative Dispute Resolution (ADR)
Risk allocation decisions
Indemnity
Liquidated damages and penalties
Supervening events
Force majeure allocations
Operational
Go / no-go decision process
Supply chain prequalification
Bid leveling
QA/QC protocols
Risk mitigation checklists
Safety training & inspections
Default practices
Technology
Pre-construction tech (BIM, Spec Tech)
Scheduling tools
Project management platforms
Supply chain intelligence tech
Reality capture
Project IoT backbone
External event monitoring systems
Operational Simplicity
We streamline processes through facilities, digital platforms, and protocols—making risk management seamless and measurable.
Our Values
Our culture is defined by curiosity, accountability, and collaboration. These values guide how we work with clients, colleagues, and partners every day.
Trust & Transparency
Constructive Conflict
Innovation & Creativity
Insights from Data & Experience
Taking Joy in What We Do
Geographic Footprint
Our Construction & Infrastructure team operates across North America with
100+ specialists supporting clients throughout Canada and the United States.
Our Presence
We maintain deep regional expertise across key cities, combining national resources with local insight.
Each marker on the map represents an active hub of collaboration within our Construction & Infrastructure practice.
When you’re doing all you can to help the environment and save the world, you’re usually looking at the bigger picture.
You need someone in your corner who will sweat the small stuff, help confirm that your operations are running smoothly and make sure your organization is protected.
At NFP, we sort of want to save the world too, and we’re here to help you with everything you need to bring your mission to life.
Service that understands.
We work with vendors throughout the industry, which lets us find – and help you choose from – cost-effective solutions with the broadest coverage.
We’re not tied to any specific vendor or product, which means we find what will work best for you to keep your goals going strong.
What you get:
Expansive reach, combining industry best practices with customized care.
Broad coverage and property definitions that understand the delicate difficulty and nuance of your services and responsibilities.
Best-in-class underwriters that coordinate with leading insurance companies.
Covering you in more ways than one.
Options include coverage for:
Builders Risk
Business Auto Liability and Physical Damage
Directors and Officers Liability
Employee Benefits Liability
Employment-Related Practices Liability
Equipment Breakdown
Flood
General Liability
Group Travel Accident
Media Liability
Ordinance/Law
Outbreak Expense
Physical Damage
Professional Liability
Real and Business Personal Property
Utility Services
Valuable Papers and Records
Volunteer Coverage
Workers’ Compensation
NFP understands that when a loss occurs there could be significant financial impact, both to repair or replace the property and to keep work moving forward.
We have extensive experience placing property programs that include builder’s risk, contractor’s equipment, and other inland marine lines associated with contractors.
We focus on the particulars that matter, such as coverage wording, maintenance of proper limits and comprehensive evaluation of our clients’ assets.
What you need, when you need it.
We serve projects such as:
Commercial building
Street and road
New construction and renovation
Residential
Bridges and tunnels
Water treatment plants
Power and utilities infrastructure
Data centers
Our inland marine expertise includes:
Builder’s risk (CAR/EAR)
Master BR programs
Installation floaters / rigger’s liability
Contractor’s equipment
Difference in conditions / difference in limits
High-hazard natural catastrophe risks
Deductible buy-down
Tunnel boring machines
Parametric
Leaving the design and construction to the professionals.
For architects, engineers, contractors, and owners, successful execution of a project starts with a successful design.
Issues with design, increasingly complex contractual arrangements, integrated construction/design approaches, new technologies, and many other factors can complicate an organization’s professional liability exposures.
NFP offers expertise specific to professional liability risk management and insurance placement for service providers and owners in the construction industry.
Our experts help you to evaluate and pursue risk management strategies to mitigate your professional liability exposure, ranging from robust contracting practices that can provide a strong line of defense against potential professional liability exposures, to sophisticated insurance programs designed to respond comprehensively to losses.
Service that understands.
When placing professional liability programs for construction, we take a different approach.
Factors other than your traditional exposures can impact your coverage needs and pricing, and insurance partners who fully understand your needs and goals, in addition to your exposures, will always obtain the best results for you.
NFP has exceptional relationships with carriers offering professional liability coverage for construction.
We understand their risk appetites and flexibilities with regard to specialized coverage provisions.
Our goal is to work with you to optimize a professional liability program with the insurance partner that best fulfills your risk management and coverage needs.
Covering you in more ways than one.
Professional liability is extremely complicated, and the details matter.
NFP can help you understand:
The coverage that you have
The coverage that you may need
Not only the cost, but also the value of your program
Most architects, engineers, and construction companies carry some form of professional liability coverage.
NFP’s construction experts know that these policies offer varying levels of sophistication with regard to:
Coverage structure
Terms and conditions
Limits and retentions
Price
Today’s construction economy is under tremendous pressure, given supply chain disruptions, inflation, labor supply shortages and rising interest rates.
All these factors are combining to create what could be an unprecedented challenge for today’s construction contractor community.
To help our clients navigate this challenge, NFP has structured its Subcontractor Default Insurance (SDI) segment to lead with risk control advisory and innovation.
With leadership forged within the construction, insurance and risk engineering communities, clients will have access to experts in treating the risks with best-in-class contractual, operational and technological risk.
Rising subcontractor defaults.
Read more
Context: Given the current economic conditions, particularly amongst electrical trade contractor insolvencies, subcontractor defaults are on the rise. These defaults pose a substantial threat to the contractor and developer community and to the SDI programs they have in place.
Our Experience/Expertise: With our previous experiences working for contractors and risk engineers, we bring deep expertise on how to execute best-in-class operational risk controls to help weather a rise in defaults. These operational risk control assessments are done each year for clients of NFP. Our team also drives the use of these practices to help obtain improved terms on the remainder of our client’s insurance and surety programs.
Technology to manage supply chain.
Read more
Context: There are myriad technologies within the “constructech” and “insuretech” sectors that can reduce risk related to subcontractors and supply chain exposures. These technologies can not only improve SDI results but allow for favorable ROI from SDI program credits.
Our Experience/Expertise: The Construction & Infrastructure Group at NFP has established a technology alliance in which we research, investigate and work with emerging technology companies to advise clients on which technologies to implement to solve for their biggest risks.
Stalled SDI programs.
Read more
Context: Some active SDI programs are not enrolling the volume of subcontracts originally targeted, and some have stalled completely.
Our Experience/Expertise: We have extensive expertise in driving full enrollment through educational seminars for staff and project managers. Our team members have been leaders in educating owners and lenders on the benefits of accepting SDI on projects.
Innovation and geographic reach.
Read more
Context: Finding a broker with knowledge across all countries where SDI is offered and who pushes innovation in the sector can be a challenge.
Our Experience/Expertise: The Construction & Infrastructure Group at NFP is a fully integrated North American practice, servicing SDI business in both the U.S. and Canada. We help clients implement innovative SDI strategies using experience from brokerage, insurer, risk engineering, and client-stakeholder perspectives.
Full claim recovery.
Read more
Context: SDI claim recovery presents operational challenges as claim documentation and proving default impact are critical to a successful claim. In many instances, insureds may feel they have not received full recovery for costs associated with a subcontractor default.
Our Experience/Expertise: Building on our experience managing over a billion dollars in claim volume, we have a refined SDI claims management approach that increases recovery rates, emphasizing proper documentation and use of scheduling experts.
Managing total cost of risk versus insurance costs.
Read more
Context: SDI programs are a substantial source of risk retention funding and a powerful vehicle to reduce total cost of risk beyond subcontractor and supply chain risk.
Our Experience/Expertise: The Construction & Infrastructure Group at NFP has developed a proprietary total cost of risk (TCOR) methodology. SDI is a critical component of TCOR, and our team integrates SDI to optimize TCOR yield for your organization.
Dale Development – Residential & Mixed-Use Communities
As of November 2025 · Source: Dale Development Company
Residential & Mixed-Use Projects
Project Review – Rocky Hill Amesbury
The following summarizes Rocky Hill Amesbury, Dale Development’s master-planned community in
Amesbury, Massachusetts, and outlines NFP’s evaluation of key construction-related risks.
The assessment integrates land development, infrastructure, and delivery risk considerations to support
underwriting, financing, and strategic risk-management decisions.
Project Understanding
Rocky Hill Amesbury represents Dale Development’s first foray into Massachusetts and one of
the largest communities approved under the State’s MBTA Communities Act. The master plan envisions
two integrated neighborhoods: a for-sale component of up to 85 single-family, duplex, and
townhouse units, and a rental component with approximately 300 multi-family residences.
Site & Planning Context
Located near the intersection of Rocky Hill Road and Elm Street in Amesbury, the 80-acre
site combines rolling topography with pockets of woodlands and open fields. The project is designed to align
with the City’s smart-growth vision, emphasizing compact, walkable neighborhoods, and mixed housing types.
The layout follows New Urbanist principles—featuring interconnected streets, pedestrian trails,
formal greens, and community amenities such as playgrounds, a clubhouse, and open recreation areas.
Development is anticipated to commence with off-site utility extensions and sitework beginning
early 2026.
Infrastructure & Utilities
Infrastructure works will include full roadway construction, stormwater management ponds, underground power,
and municipal water/sewer connections coordinated with the City of Amesbury DPW. Topographic surveys and
geotechnical testing are in preliminary stages, with environmental permitting expected through the
Massachusetts Department of Environmental Protection (MassDEP) and Conservation
Commission.
Development Program
~85 For-Sale Units (Single-Family / Duplex / Townhomes)
~300 Rental Units (Garden / Mid-Rise)
Pedestrian greenways and open space network
Community clubhouse and recreational amenities
Phased infrastructure and site grading program (2026–2028)
Regulatory & Zoning
Zoned under MBTA Communities overlay permitting higher-density mixed-use housing near public
transit. Subject to Planning Board and Conservation Commission approvals, MassDEP stormwater compliance,
and potential MEPA filings depending on final traffic and environmental thresholds.
Top Construction & Development Risks – Rocky Hill Amesbury
Risk Category
Key Exposure Details
Potential Impact
Technology / Mitigation
Contractual Controls
Operational Controls
High 1. Market Volatility & Cost Escalation
Inflationary material and labor costs could increase total project cost and strain financing.
Budget overruns, delayed starts, and potential re-pricing of loan or equity terms.
Use real-time cost tracking, procurement dashboards, and pre-purchase key commodities.
Include escalation clauses, shared savings mechanisms, and early-buy allowances.
Bid packages with fixed durations; supplier hedging for high-volatility materials.
High 2. Permitting & Regulatory Delay
Multiple agency approvals under MBTA Act, wetlands, and stormwater regulations.
Schedule slippage, holding costs, potential redesign to address agency feedback.
Permit tracking systems (e.g., Procore or Asite workflows) with milestone alerts.
Assign permitting responsibilities to design team; include delay relief for agency lag.
Dedicated permitting manager; pre-application meetings with City and MassDEP.
Medium 3. Sitework & Subsurface Conditions
Rolling topography and variable glacial soils may require cut/fill balancing and retaining structures.
Unforeseen ground conditions; change orders; additional foundation costs.
3D subsurface modeling and drone-based topo verification.
Confirm coverage for phased sitework, vertical build, and stored materials. Include soft cost/DSU extensions for financing delays.
General Liability
Ensure AI coverage for Owner and Lenders; review PNC and waiver consistency; verify residential exclusion language.
Professional Liability
Confirm design-builder or consultant coverage for civil/site design errors and permitting submissions.
Pollution Liability
Align with Massachusetts DEP stormwater/NPDES obligations; confirm hazmat and runoff coverage for sitework trades.
Umbrella / Excess Liability
Assess tower structure for $10M+ total limits appropriate to residential exposure.
Workers’ Compensation
Confirm statutory coverage and safety program compliance; emphasize fall-protection and trenching controls.
Disclaimer: The above summary is provided for informational purposes only and does not constitute
legal or insurance advice. Final terms and conditions are governed by executed contracts and policies.
Project Serapis – Construction Phasing Overview
Illustrative phasing for a large-scale industrial program. Tap a phase for more detail.
Phase 1 – Site Preparation
Early Works • Q1–Q2 2026
Clearing, grading, surcharge, and utility diversions to establish the working platform.
Phase 2 – Substructure
Foundations & Groundworks • Q2–Q4 2026
Piling, caps, grade beams, U/G services, and main SOG.
Phase 3 – Superstructure
Primary Frames • Q4 2026–Q2 2027
Steel frames, mezzanines, craneways, and stairs.
Phase 4 – Building Envelope
Cladding & Roofing • Q1–Q3 2027
Cladding, roofing, doors, and daylighting to weather-tight.
Phase 5 – MEP Rough-In
Mechanical, Electrical & Process • Q2–Q4 2027
Power, process utilities, ventilation, FP risers, and plinths.
For demonstration purposes only. Names, dates, and details are illustrative.
Coverage Specifications – Construction
Detailed specifications for core construction coverages. Click any line for full limits,
extensions, and representative endorsements.
For demonstration purposes only. Values and terms are illustrative.
Market Submissions – Tracker
Markets approached across coverage lines with current responses and NDA status.
Use slicers below to filter.
Policy Line:
Response:
Carrier
Line
Response
Notes
Updated
NDA
Everest
Builders Risk
Submitted
Under review.
Aug 20, 2025
SIGNED
Zurich
Builders Risk
Submitted
Submission sent.
Aug 20, 2025
SIGNED
Travelers
Builders Risk
Waiting
Pending feedback.
Aug 21, 2025
SIGNED
Hartford
Builders Risk
Declined
No capacity.
Aug 15, 2025
SIGNED
Allianz
Builders Risk
Submitted
Under review.
Aug 22, 2025
SIGNED
AXA XL
Builders Risk
Submitted
In underwriting.
Aug 21, 2025
SIGNED
Chubb
Builders Risk
Submitted
Review in progress.
Aug 20, 2025
SIGNED
AXA XL
OCIP Primary
Submitted
Under review.
Sep 2, 2025
SIGNED
Zurich
OCIP Primary
Waiting
Awaiting quote.
Aug 28, 2025
SIGNED
AIG
OCIP Primary
Submitted
Under review.
Aug 25, 2025
SIGNED
Great American
OCIP Excess
Submitted
Submission sent.
Aug 24, 2025
SIGNED
Liberty
OCIP Excess
Waiting
Pending underwriting.
Aug 25, 2025
SIGNED
Beazley
Contractors Pollution
Submitted
In underwriting.
Aug 19, 2025
SIGNED
Allied World
Contractors Pollution
Waiting
Pending feedback.
Aug 20, 2025
SIGNED
QBE
Contractors Pollution
Declined
No appetite.
Aug 18, 2025
SIGNED
HDI
Environmental
Submitted
Under review.
Aug 21, 2025
SIGNED
Liberty
Environmental
Waiting
Pending quote.
Aug 22, 2025
SIGNED
For demonstration purposes only. Names, dates, and details are illustrative.
Collaboration Hub
Centralizes task intake, tracking, and document routing.
New requests trigger team alerts, update Planner in real time,
and uploads are automatically sent to the correct SharePoint folder.
Tailored dashboards and analytic tools designed to provide clear, actionable insights.
Track performance, claims, and safety workflows—all aligned with your program needs.
Insights & Analytics Hub
Delivers customizable dashboards for program performance, dispute resolution, and actuarial loss projections—each designed to align with operational and strategic priorities.
Visualization Dashboard
Offers a clear snapshot of key metrics, claims activity, and safety workflows, helping you monitor and optimize program efficiency with data-driven insights.