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RPS NIPC offers a focused Beauty Salon / Barber Shop Insurance program as part of our nationwide Beauty Services solution. Designed for indep...is program?This program is ideal for beauty salons, barber shops, massage therapists,...

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... (Retail Sales) Class 10115 – Beauty Parlors and Hair Styling Salons (Reta...Yes, prohibited risks include barber/beauty schools, operations involving tatt...

Beauty Insurance Consultants is your trusted...ors, importers, retailers, spas, and beauty equipment suppliers. We can accomm...

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RPS NIPC has provided Social Service Insurance solutions since 1976. Backed by decades of underwriting and placement experience, our Adoption and Foster Care Insurance program is built specifically for Adoption and Foster Care Placement Agencies and organizations that deliver child welfare and family support services. Overview of the Program from RPS NIPC RPS NIPC’s Adoption and Foster Care program is underwritten by an A.M. Best A+XV carrier—American Alternative Insurance Corporation (AAIC)—and is available nationwide on an admitted basis. The program bundles core coverages into a single package tailored to the unique exposures of child placement work. We focus on practical, marketable solutions that help agents place accounts with sensitive, high-liability operations. Ideal Accounts and Appetite This program is a fit for licensed and well-managed organizations such as: Domestic and international adoption agencies Foster care placement agencies Child welfare, family support, and related social service providers We look for organizations that maintain licensing, clear policies, employee screening and training programs, and documented risk-management practices. Suitable accounts range from small local nonprofits to larger multi-state operators. Accounts with chronic compliance gaps, unmanaged abuse exposures, or severely limited controls are typically outside our appetite. Coverage Highlights and Advantages The program offers a comprehensive package of coverages designed for placement agencies: Professional Liability – Coverage for claims arising out of professional services, placement decisions, and alleged errors or omissions. General Liability – Protection for bodily injury, property damage, and premises-related exposures. Physical and Sexual Abuse Liability – Essential coverage for organizations working with vulnerable children. Automobile Liability – Includes owned, hired and non-owned auto exposures. Management Liability – Directors & Officers coverage with Employment Practices Liability (EPLI). Property, Inland Marine, and Crime – Protection for physical assets, mobile equipment, and employee dishonesty. Excess Liability – Additional limits available for primary exposures. Workers Compensation – Offered only as part of the package (not stand-alone). Cyber Liability – Available in most states as part of the package (not stand-alone). Underwriting Notes and Minimum Premiums All coverages are offered as a bundled package; Workers Compensation and Cyber Liability are not available as separate standalone policies. Minimum premiums vary by account size, operations, and state—underwriters will provide specific minimums based on the application and risk characteristics. Underwriting evaluates licensing and accreditation, staff screening and training, placement and supervision protocols, incident reporting, prior claims history, financial stability, and organizational structure. Timely, complete submissions that include licensing, a summary of risk-management practices, and recent loss runs speed up quoting. Territories and Availability This program is available on an admitted basis in all 50 states and Washington, DC. RPS NIPC can tailor submissions to meet state-specific regulatory requirements and admitted market expectations. Why Work with RPS NIPC? With more than 45 years focused on social services, RPS NIPC brings sector-specific underwriting expertise and placement experience. Agents benefit from our deep knowledge of placement exposures, responsive service during quoting and binding, and access to a stable, highly rated carrier. We aim to provide clear guidance on coverage structure, exclusions, and practical loss-control recommendations that improve insurability. For more information on our Adoption and Foster Care Insurance program and other RPS NIPC 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 licensed adoption and foster care placement agencies, as well as organizations offering child welfare and family support services. Is this program available in all states?Yes, the Adoption and Foster Care Insurance program is available on an admitted basis in all 50 states and Washington, DC. Can I get stand-alone Workers Compensation or Cyber Liability?No. Both Workers Compensation and Cyber Liability are only available as part of the full package and are not offered as stand-alone policies. What carrier underwrites this program?The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+XV by A.M. Best. What information is needed to get a quote?Underwriters typically request licensing details, risk-management procedures and policies, recent loss runs/claims history, financials, and a completed application to provide a quote. Need help placing an account? Connect with a market specialist.

...ing kennels, pet stores, grooming salons, training facilities and similar pet ...

...medical director consulting for a beauty clinic, this program provides tailore... the medical director for a chain of beauty clinics, or another who provides m...