https://completemarkets.com/company/rpsins/human-services/
RPS NIPC offers a specialized Human Services Insurance Program designed to meet the unique needs of both non-profit and for-profit organizations. Backed by an admitted A.M. Best A+ XV rated carrier, Riverport Insurance (a W.R. Berkley Company), this program provides agents and brokers with a trusted market for a wide range of human services accounts.
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.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for non-profit and for-profit organizations in youth services, community services, job training, transportation, arts and culture, and residential shelters.
Is this coverage available on an admitted basis?Yes, coverage is written through an admitted carrier, Riverport Insurance, in most available states.
Which states is this program available in?The program is available in most states, including CA, FL, IL, NY, TX, and many others. Refer to the full list for details.
What types of liability are included?Available coverages include general liability, professional liability, abuse liability, auto liability, management liability, property, crime, inland marine, and excess liability.
Can I submit an unusual or non-standard human services risk?Yes, RPS NIPC can review additional human services classes on a case-by-case basis. Their underwriters are experienced in evaluating unique risks.
Need help placing an account? Connect with a market specialist.