Overview of the Program from RPS NIPC
Our specialized insurance program is underwritten through an A.M. Best rated A+XV carrier, American Alternative Insurance Corporation (AAIC), and is available nationwide on an admitted basis. RPS NIPC understands the complex risks faced by organizations involved in child placement services, and we are committed to helping insurance agents and brokers secure comprehensive, reliable coverage for their clients in this space.
Ideal Accounts and Appetite
This program is tailored for:
- Adoption agencies (both domestic and international)
- Foster care placement agencies
- Organizations that provide child welfare or family support services
We are looking for well-managed organizations that prioritize compliance, training, and safety protocols. Whether your client is a small local nonprofit or a large multi-state operation, we can help you find the right coverage package to suit their needs.
Coverage Highlights and Advantages
Our Adoption and Foster Care Insurance program offers a broad range of coverages to help your clients manage risk and operate with confidence:
- Professional Liability – Protects against claims arising from professional services and decisions.
- General Liability – Covers bodily injury, property damage, and related exposures.
- Physical and Sexual Abuse Liability – Critical protection for organizations working with vulnerable populations.
- Automobile Liability – Includes owned, hired, and non-owned vehicle coverage.
- Management Liability – Includes Directors & Officers coverage with Employment Practices Liability (EPLI).
- Property, Inland Marine, and Crime – Covers physical assets, mobile equipment, and employee dishonesty.
- Excess Liability – Additional limits for critical coverages.
- Workers Compensation – Available as part of a package (not stand-alone).
- Cyber Liability – Available in most states as part of a package (not stand-alone).
Underwriting Notes and Minimum Premiums
Minimum premiums for this program vary depending on the size, scope, and services of the organization. All coverages are bundled as part of a comprehensive package—stand-alone policies are not offered for Workers Compensation or Cyber Liability. Underwriting considers the organization’s licensing, risk management practices, claims history, and operational structure.
Territories and Availability
This program is available on an admitted basis in all 50 states and Washington, DC. No matter where your client operates, RPS NIPC can provide tailored insurance solutions that meet state-specific requirements and industry expectations.
Why Work with RPS NIPC?
With more than 45 years of experience in the social services sector, RPS NIPC offers unmatched expertise in underwriting risks related to adoption and foster care. We understand the sensitive and high-liability nature of this work and offer responsive service, deep market knowledge, and access to a stable carrier. Our dedicated team is here to support you throughout the quoting, binding, and servicing process.
For more information on our
Adoption and Foster Care Insurance program and other
RPS NIPC Specialty Programs, please visit our
website.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for licensed adoption and foster care placement agencies, as well as organizations offering child welfare and family support services.
Is this program available in all states?
Yes, the Adoption and Foster Care Insurance program is available on an admitted basis in all 50 states and Washington, DC.
Can I get stand-alone Workers Compensation or Cyber Liability?
No, both Workers Compensation and Cyber Liability are only available as part of the full package. They are not offered as stand-alone policies.
What carrier underwrites this program?
The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+XV by A.M. Best.
What information is needed to get a quote?
Underwriters typically require licensing details, risk management procedures, claims history, financials, and a completed application to provide a quote.
Need help placing an account? Connect with a market specialist.