It is the position of NBIS that any and all 1st party claims have the potential for subrogation. Through the use of our industry-experienced investigators and the immediate deployment of on-site forensic experts, NBIS Claims Investigation Unit will quickly develop causation findings and liability theories to support prompt and aggressive subrogation of 1st party claims. The subrogation process is instituted during the earliest stages of the claim and is pursued with the twin objective of securing the maximum collection of the policyholder deductible, as well as the amount of the original claim payment. The collaboration between NBIS Risk Management Unit and the NBIS Claims/Legal Unit delivers highly effective subrogation techniques to achieve ultimate claim cost reductions to NBIS policyholders and their agents/brokers.