Comprehensive School Insurance Solutions from RPS NIPC
RPS NIPC delivers tailored insurance solutions for a broad range of educational institutions. As a program administrator, we place comprehensive school packages through an A+ XV admitted carrier, American Alternative Insurance Corporation (AAIC). Our goal is to help agents and brokers place educational accounts confidently with flexible options for both public and private institutions.
Ideal Accounts and Target Classes
This program is built for agents seeking coverage for educational clients, including:
- Public Schools (K–12)
- Private and Parochial Schools (K–12)
- Charter Schools
- Vocational and Technical Schools
- Colleges and Higher Education Institutions
From a small private academy to a multi-site charter network, RPS NIPC evaluates each school’s exposures and tailors coverage to fit operational needs.
Coverage Highlights and Program Strengths
The school-focused package addresses the common and unique risks that educational institutions face. Available coverages include:
- Property form tailored for school exposures
- General Liability
- Educators Management Liability
- Fiduciary Liability
- Sexual and Physical Abuse (separate limits)
- Automobile
- Excess Liability
- Workers Compensation (available as part of the package)
- Cyber Liability (available; state availability may vary)
Our underwriting and forms are designed to protect staff, students, and school operations while keeping placement straightforward for brokers.
Underwriting Considerations and Minimum Premiums
Each submission is underwritten individually. Minimum premiums vary by school size, location, and coverage selections. Underwriters review exposures such as student population, on-site activities, athletics, transportation operations, and abuse-prevention controls when assessing submissions.
You should expect a review of loss history, management practices, and any special programs or high-risk activities. Our team works with agents to streamline submissions and often provides clear guidance on documentation needed for quick quotes.
Territories and Availability
This program is available in all 50 states and Washington, D.C. Note that Cyber Liability and some other components may be subject to state-specific rules or restrictions; contact us to confirm availability for a particular state.
Please call 360-626-6188 for details on state-specific guidelines and coverage availability.
Why Work with RPS NIPC
RPS NIPC combines deep expertise in educational insurance with admitted-market capacity through AAIC. We provide responsive underwriting, tailored forms for school exposures, and a single point of contact to help move placements efficiently. Our team understands the operational nuances of schools and can structure a package to address liability, property, management exposures, and abuse-related limits.
Example scenarios that fit this program:
- A growing K–8 private school seeking combined Property, GL, and Educators Management Liability with separate abuse limits.
- A charter school network that needs campus property coverage, automobile liability for student transport, and excess liability layers.
For more information on RPS NIPC and our Specialty Programs, please visit our website.