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Finding the right coverage for an Independent School can be challenging. Your clients need protection tailored to their unique exposures—ranging from athletics and student well-being to sensitive areas like sexual misconduct, discrimination, and harassment. Selecting the right insurance partner is just as critical as choosing the right faculty, facilities, or curriculum. Comprehensive Protection for Independent Schools At Education Insurance Services (EIS), we’ve developed a specialized insurance program designed exclusively for Independent Schools. This comprehensive package, created in partnership with United Educators—a risk retention group that is 100% focused on the education sector—ensures your clients receive coverage aligned with the risks they regularly face. Your client goes above and beyond for their students and staff. Who goes above and beyond for your client? The EIS Independent School Focus package delivers broad protection with limits and options built around the operational realities of private and independent educational institutions. Program Highlights and Coverages Our tailored program includes both liability and property coverage, addressing day-to-day risks as well as more complex liability exposures: • Educators Legal Liability up to $11 million • Primary General Liability up to $1 million • Fiduciary Liability up to $5 million • Excess General Liability up to $10 million • Business Income Protection • Real and Personal Property Coverage • Employment Practices Liability • Security Guard Liability • Discrimination and Harassment Coverage • Employee Benefits/ERISA Liability • Athletic Liability • Sexual Molestation and Abuse Coverage • Alcohol-Related Claims • Educational Malpractice • Boarding School Coverage • Allied Health Professional Liability • Compensatory Damages • Errors and Omissions • Associated Defense Costs • Civil Penalties Related to Prohibited Transactions We also offer commercial auto and workers compensation. Our commercial auto provides up to $1 million in coverage for a combined single limit, and our workers comp coverage is guaranteed cost—giving schools predictable budgeting and peace of mind. Ideal Accounts and Appetite This program is designed for private and independent K-12 schools, including day schools and boarding schools. It’s especially well-suited for institutions with robust extracurricular programs, athletic departments, or on-campus housing. You might have a client operating a private boarding school with dormitories and athletic facilities, or a preparatory academy with high student engagement. These are ideal fits for this program. Territories and Market Access Our Independent Schools program is available in the following states: AL, AK, AZ, AR, CA, CO, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. We offer access to both admitted and non-admitted markets, depending on the state and specific risk profile. Why Work With Education Insurance Services? As a Managing General Agency with deep expertise in educational institutions, EIS is uniquely positioned to support agents and brokers working with independent schools. Our exclusive partnership with United Educators ensures your clients benefit from a carrier solely dedicated to education-sector risks. You'll also have access to responsive underwriting and knowledgeable support that understands the nuances of school operations. If you're interested in learning more about our Independent Schools program and how we can help you better serve your clients, contact us today. We understand the issues that are most important to Independent Schools! Frequently Asked Questions What types of accounts are a good fit for this program?Private and independent K-12 schools, including day and boarding schools, are ideal. Schools with athletics, dormitories, or specialized programs benefit most from the coverage options. Is this program available nationwide?It is available in most states, including CA, TX, FL, NY, and many others. Please check with us for availability in your client’s specific location. What makes this program different from standard commercial packages?This program is built specifically for schools and includes education-sector coverages like educators legal liability, sexual misconduct, and educational malpractice that typical packages often exclude. Can I access this program if I’m not appointed with United Educators?Yes. As the exclusive provider of the Independent School Focus package from United Educators, EIS can offer you access without direct appointment. Are both property and liability coverages included?Yes. The program offers a comprehensive package that includes both property and a wide range of liability protections tailored to independent schools. Need help placing an account? Connect with a market specialist.

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Sports & Fitness Insurance Corp. offers a tailored commercial liability program specifically designed for martial arts instructors, schools, and studios. This program addresses the unique risks associated with martial arts training and competition, providing key liability protections for instructors, facility owners, and other industry professionals. Ideal Accounts and Appetite This program is designed for most styles of martial arts, including but not limited to karate, taekwondo, jiu-jitsu, kung fu, and others. Whether your client operates a small local dojo or a larger martial arts academy, Sports & Fitness Insurance Corp. has the experience and market access to help you secure suitable coverage. Tournament coverage is available by endorsement and is ideal for clients who host or participate in competitions. Coverage Highlights and Advantages The commercial liability policy is written on an occurrence basis and includes both premises liability and professional liability. Coverage limits are available at $500,000 or $1,000,000 per accident, with no shared aggregate. Policies are underwritten to reflect the unique exposures of martial arts schools, including student injuries and third-party property damage during training or events. Tournament coverage can be added for an additional premium. Each event is individually rated and endorsed onto the policy. To be eligible, insureds must require the use of appropriate protective gear during all competitions. Underwriting Notes and Minimum Premiums Policies are available through various carriers, and all underwriting is handled by Sports & Fitness Insurance Corp., a leading Managing General Agency in the fitness and sports space. Minimum premiums vary depending on the size and scope of the operation. Applications can be submitted using the form available at this link. Territories and Availability This program is available in all 50 states and the District of Columbia. Coverage is offered on an admitted basis where available. Sports & Fitness Insurance Corp. maintains strong relationships with multiple carriers to provide flexible options across the country. Why Work With Sports & Fitness Insurance Corp.? With a deep focus on the sports and fitness industries, Sports & Fitness Insurance Corp. brings niche expertise to each account. Their team understands the day-to-day operations and liabilities of martial arts organizations, making them a trusted partner for agents seeking specialized coverage options. Whether your client runs a traditional studio or a mixed-discipline facility, this program provides the targeted protection they need. Frequently Asked Questions What types of accounts are a good fit for this program?Martial arts schools, studios, instructors, and training facilities across most disciplines are ideal candidates. Is tournament coverage included in the base policy?No, tournament coverage is available by endorsement for an additional premium and must be rated individually per event. Does the policy cover both premises and professional liability?Yes, the program includes premises liability and professional liability, including third-party property damage. Are there any protective gear requirements for insureds?Yes, proper protective gear must be used during competitions to be eligible for tournament coverage. In which states is this program available?This program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

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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. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for public and private K–12 schools, charter schools, vocational and technical schools, and colleges seeking a package policy tailored to educational exposures. Is this program available in all states?Yes. The program is available in all 50 states and Washington, D.C. Keep in mind some coverages, such as Cyber Liability, may have state-specific availability or limitations. Can Workers Compensation be written as standalone coverage?No. Workers Compensation is offered only as part of the complete package policy under this program. Is the program written on an admitted basis?Yes. Policies are written through an A+ XV admitted carrier, American Alternative Insurance Corporation (AAIC). What is the minimum premium for this program?Minimum premiums vary based on the size and scope of the account. Contact the underwriting team for specific guidance on your submission. Need help placing an account? Connect with a market specialist.

Dental Professional Liability Insurance With dental practice continually evolving, Affinity Healthcare offers the Dentist's Advantage Dental Professional Liability Insurance program — a market-leading professional liability product designed specifically for dental professionals. The program combines broad forms, flexible limits, and industry-focused risk management to help you place dental malpractice coverage for a wide range of dentists and dental practices. Program Highlights Occurrence and claims-made forms available Flexible limits up to $5 million per occurrence / $6 million aggregate Defense costs paid in addition to policy limits Licensure board hearings defense coverage included Definition of “insured” includes employees and independent-contractor hygienists Free tail coverage at retirement for eligible insureds Free locum tenens coverage up to 120 days per year Consent-to-settle provision No dental specialties excluded Premium credits available Risk Management Support 24-hour risk management hotline staffed by dental colleagues Quarterly newsletters with legal and risk-management tips Online access to electronic forms designed to reduce claims exposure Additional Insurance Available Business Owners Package Corporate Identity Protection General Liability Business Auto Commercial Umbrella Workers' Compensation Endorsing Professional Associations Academy of General Dentistry (AGD) National Dental Association (NDA) Hispanic Dental Association (HDA) National Society of Dental Practitioners (NSDP) Overview of the Program from Affinity Healthcare This Dentist's Advantage program is administered by Affinity Healthcare and underwritten by National Union Fire Insurance Company of Pittsburgh, PA. The program is built for agents who need a dental-specific professional liability market with comprehensive forms, risk-management resources, and flexible limit options. Ideal Accounts and Appetite This program targets general dentists, multi-dentist practices, and specialists across dental disciplines — including those who perform restorative, endodontic, oral surgery, and other procedures. It is appropriate for solo practitioners up to small and mid-sized group practices. The program accepts accounts that want robust defense-in-addition language, licensure hearing representation, and locum coverage. Accounts that may not fit include extremely high-risk specialty practices with unusual procedural exposures or locations requiring specialized coverage outside the standard appetite — consult underwriting for borderline or complex risks. Coverage Highlights and Advantages Key advantages for your dental clients include both occurrence and claims-made options, high per-occurrence and aggregate limits, defense costs outside the limits, and a consent-to-settle clause. The program’s broad definition of insureds and included locum and retirement tail features simplify placement for practices with staffing changes and retiring partners. Underwriting Notes and Minimum Premiums Underwriting focuses on practice size, procedural mix, claims history, and risk-management practices. Affinity Healthcare supports placement with a dedicated underwriting team knowledgeable about dental exposures. Minimum premium: $1,500. For accounts with prior claims, significant surgical exposure, or novel procedures, provide full loss runs and procedure mix up front to expedite review. Territories and Availability Available through Affinity Healthcare nationwide in the states listed: 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, WY. Admitted-status: All Available States. Confirm state availability and admitted/non-admitted placement with underwriting when quoting. Why Work With Affinity Healthcare for Dental PL Program administrator experienced in dental professional liability markets National carrier capacity through National Union Fire Insurance Company of Pittsburgh, PA Industry-specific risk-management services and 24/7 hotline Flexible forms and limits to meet diverse practice needs Example Accounts a Good Fit A solo general dentist performing routine restorative and endodontic procedures seeking occurrence coverage and free tail at retirement. A two- to five-provider family practice with hygienists (employees and independent contractors) that needs locum coverage and licensure hearing defense included. Dentist's Advantage - Your Dental Professional Liability Insurance solution for your clients Affinity Healthcare is a registered trade name of Affinity Insurance Services, Inc.; (TX 13695); (AR 100106022); in CA, MN, AIS Affinity Insurance Agency, Inc. (CA 0795465); in OK, AIS Affinity Insurance Services, Inc.; in CA, Aon Affinity Insurance Services, Inc., (CA 0G94493), Aon Direct Insurance Administrators and Berkely Insurance Agency and in NY, AIS Affinity Insurance Agency. All descriptions, summaries or highlights of coverage are for general informational purposes only and do not amend, alter or modify the actual terms or conditions of any insurance policy. Coverage is governed only by the terms and conditions of the relevant policy. Frequently Asked Questions What types of dental practices are a good fit for this program?This program fits solo practitioners, small group practices, and many dental specialists. It is best for practices that want broad forms, defense-in-addition language, locum coverage, and included licensure-hearing defense. For high-risk surgical specialty accounts, consult underwriting before submission. Do you offer both occurrence and claims-made coverage?Yes. Affinity Healthcare offers both occurrence and claims-made policy forms. Choose the form that best matches your client’s needs and retirement or tail expectations. What minimum information speeds up the underwriting review?Provide recent loss runs, a breakdown of procedures and sources of revenue, staff composition (employees vs. independent contractors), and any prior disciplinary history. These items help expedite decisions and accurate pricing. Is locum tenens coverage included?Yes — free locum tenens coverage is available up to 120 days per year as part of the core program features. What is the minimum premium and carrier capacity?The program’s minimum premium is $1,500. Coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, PA, providing national capacity for the program. Need help placing an account? Connect with a market specialist.