Benefits of Subrogation

Why Subrogation? The evidence is clear; subrogation improves loss ratios and is a powerful source of revenue for underwriters. In addition to boosting the bottom line, subrogation offers other less tangible benefits. It builds customer loyalty because when a recovery is awarded, the policyholder’s deductible is reimbursed (boosting insurers’ loss ratio). It also strengthens consumer protections because providers of goods and services are held directly accountable for the safety and performance of their offerings.

Why Outsource? Insurers with established subrogation programs recover on more claims and achieve higher net recoveries than those without. Furthermore, using a single outside vendor is shown to streamline claim filing and reporting, clear backlogs and ensure that all viable claims are vetted and pursued. Outsourced subrogation is less expensive and allows in-house staff to focus on critical claims adjustment work. NSS handles subrogation on a contingent fee basis—if there is no recovery, there is no fee.

Why NSS? We are the industry leader in terms of net dollars recovered and year-over-year recovery increases. Increases in recovery ratios over time are a direct result of our consistent focus on building close and collaborative long-term client relationships.


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