Overview — RPS NIPC Ski Shop Insurance
RPS NIPC’s Ski Shop Insurance program is a packaged, admitted solution written with an A+XV carrier (ACE) and administered by RPS NIPC as a program administrator. The program is tailored for independent ski, snowboard and related retail and rental shops nationwide. It combines property, general liability and optional crime and inland marine extensions to protect seasonal and year-round specialty shops that sell, service and rent snow sports equipment — and often bicycles as a year-round line.
Ideal accounts and target classes
- Ski and snowboard retail stores with on-site rental operations
- Ski, snowboard and bicycle rental shops (including demo fleets)
- Independent shops that combine bike and snow sports sales, service and accessories
- Small to mid-size specialty retailers with storefronts, limited repair benches and overnight storage
Coverage highlights and available extensions
The program is underwritten by a team with 25+ years of bicycle and specialty-sports experience and is structured to address the exposures common to ski and rental shops:
- Package form combining property and general liability
- Products and completed operations coverage for sold equipment and service work
- Optional special extensions of property (valuable papers & records, money & securities, personal property off premises)
- Inland marine options for rental fleets, demo equipment and transit exposures
Underwriting appetite and typical restrictions
This program fits independently owned and operated specialty retailers and rental shops focused on skis, snowboards and bicycles. It is generally appropriate for single-location or small multi-location businesses without large-scale manufacturing, wholesale distribution, or resort operations. The program is not intended for major resort operators, lift maintenance contractors, snowcat/heavy equipment operations, or high-hazard manufacturing facilities.
Underwriting notes and minimums
Typical underwriting considers location, rental fleet size and replacement cost of demo equipment, loss history, and in-store repair operations. The program is admitted and available nationwide. Minimum premium: $1,750 (subject to underwriting). You should submit detailed schedules for demo and rental fleets and any high-value inventory for proper valuation and endorsement placement.
Territories and admitted status
The Ski Shop Insurance program is available in all 50 states. States currently supported include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. Coverage is placed on an admitted paper through ACE.
Why place this business with RPS NIPC?
- Program administrator with deep specialty experience—underwriters familiar with retail/rental exposures and seasonal operations.
- Admitted product with a strong carrier (A+XV) that supports common extensions for specialty retailers.
- Flexible property extensions and inland marine options that help protect valuable demo equipment and off-premises exposures.
- Nationwide availability makes it easy to place multi-state or relocated accounts with consistent forms.
Example accounts that fit well
You might have a client who runs a mountain town ski shop that rents demo skis and snowboards each winter, offers basic in-store tuning and stores some rental equipment overnight. Another good fit is a coastal shop that sells bikes in summer and runs a small ski rental fleet in winter. Both are the types of accounts where the RPS NIPC package can provide appropriate property, liability and rental fleet protection on admitted paper.
For more information on RPS NIPC and our specialty programs, please visit our website.