Ideal Accounts and Appetite
This program is well-suited for organizations that provide social and community services, including:
- Youth Services – Center-based child care programs, Boys & Girls Clubs
- Recreational Programs – YMCAs, YWCAs
- Job Training Services – Programs such as Goodwill Industries
- Community Services – Animal shelters, humane societies
- Arts & Cultural Organizations – Museums and community arts programs
- Social Service Transportation – Senior citizen transport, handicapped transportation providers
- Residential Housing & Shelters – Examples include Ronald McDonald Houses
Additional human services classes may be eligible upon review. You can rely on RPS NIPC's underwriting expertise to evaluate unique and emerging risks in this space.
Coverage Highlights and Advantages
The Human Services Insurance Program offers broad protection to address the complex exposures faced by service providers:
- Professional Liability
- General Liability
- Physical and Sexual Abuse Liability
- Automobile Liability – Owned, Hired, and Non-Owned Vehicles
- Management Liability – Including Directors & Officers (D&O) and Employment Practices Liability Insurance (EPLI)
- Property, Inland Marine, and Crime
- Excess Liability
Whether your client operates a small youth center or a regional transportation service for seniors, this program offers a comprehensive solution tailored to their risks.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business, size, and scope of operations. The underwriting team at RPS NIPC is available to review accounts across a wide range of human services sectors and can help you navigate more complex or non-standard submissions.
Territories and Availability
This program is available in most states, including but not limited to: AZ, AR, CA, CO, CT, FL, GA, HI, ID, IL, IA, KS, ME, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OR, PA, SC, SD, TN, UT, VT, VA, WA, DC, and WI. Coverage is written on an admitted basis in most available states.
Why Work With RPS NIPC?
As a trusted Program Administrator, RPS NIPC brings deep experience in the human services sector. Their team understands the operational risks, regulatory environment, and insurance needs of social service organizations. With access to Riverport Insurance, a Berkley company, RPS NIPC delivers top-tier coverage and dependable claims handling. You’ll also benefit from a knowledgeable underwriting team that can help you place challenging accounts with confidence.
If you have a client who runs a community-based arts program, or a multi-location child care center, this program can provide the comprehensive insurance solution they need, while offering you responsive service and underwriting support.