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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.

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.

RPS NIPC offers a focused Beauty Salon / Barber Shop Insurance program as part of our nationwide Beauty Services solution. Designed for independent agents and brokers, this program helps you place liability and property coverage for a wide range of personal care providers with streamlined submissions and flexible underwriting. Ideal Accounts and Target Classes This program targets small to mid-sized businesses in the beauty and personal care space. Appetite includes, but is not limited to: Beauticians and barbers Manicurists and nail technicians Electrologists Massage therapists Eyelash extension and enhancement professionals Waxing and hair removal services Tanning salons Permanent makeup and cosmetic tattoo providers If your client operates a multi-service salon or a stand-alone barber shop, this program is structured to offer the core protections they need while keeping placement simple for you. Coverage Highlights The Beauty Salon / Barber Shop Insurance package is built to address the common exposures for personal care providers and typically includes: Professional Liability: $1,000,000 per occurrence / $2,000,000 aggregate General Liability: $1,000,000 per occurrence / $2,000,000 aggregate Property Coverage: limits up to $500,000 Policies are placed on a non-admitted basis through Underwriters at Lloyd’s, London, giving you access to flexible coverage forms and broader capacity for risks that may be challenging for admitted markets. Underwriting Requirements and Minimum Premium Required paperwork for submissions: Professional Liability Application – BPL411 ACORD applications for General Liability and Property The program has a minimum premium starting at $500, making it practical for smaller shops and independent practitioners. Underwriting will consider factors such as services offered, employee licensing, sanitation protocols, prior loss history, and annual revenue when quoting. Typical Appetite & Restrictions This program favors routine beauty and grooming operations without high-severity exposures. Accounts offering standard salon services, supervised massage therapy, or cosmetic applications are a good fit. Accounts with significant prior professional liability losses, unlicensed operators, or unusually high-risk procedures may require additional review or alternate placement. Territories and Availability Available in most U.S. states, including: 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 written on a non-admitted basis; check state eligibility and filing requirements for specific placements. Why Work With RPS NIPC? RPS NIPC specializes in niche beauty and personal care markets. Our underwriting team understands the unique exposures of salons and barber shops and can structure solutions for accounts that don’t fit standard admitted markets. Key strengths: Access to Lloyd’s of London capacity for flexible terms Streamlined submission process aimed at fast quoting Experience placing hard-to-place or non-standard personal care risks Whether a client is opening a new salon, adding services like eyelash enhancements or permanent cosmetics, or seeking better coverage for an existing shop, RPS NIPC is positioned to help you deliver a practical solution. Example account scenarios You have a small boutique salon offering hair, nails, and waxing that needs combined professional and general liability with property coverage for equipment and stock — the minimum premium and Lloyd’s capacity make this program a good option. You represent a barber shop expanding into eyelash extensions and tinting — the program can package professional liability with general liability to cover both service and premises exposures. To learn more about our Beauty Services Insurance program, visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for beauty salons, barber shops, massage therapists, nail technicians, and other personal care service providers, including those offering eyelash extensions, tanning, or permanent cosmetics. Is this program available in all states?No, but it is available in most U.S. states. Please refer to the list above or contact RPS NIPC for specific state eligibility. What coverages are included in the standard package?The standard package includes Professional Liability, General Liability, and Property coverage, with standard limits of $1M/$2M for liability and $500,000 for property. What applications are required to submit a risk?You’ll need to submit the BPL411 Professional Liability application and the standard ACORD applications for General Liability and Property. Who is the carrier for this program?The program is written on a non-admitted basis through Underwriters at Lloyd’s, London. Need help placing an account? Connect with a market specialist.

RPS NIPC has administered the Social Service Insurance program since 1976. With decades of focused experience, we deliver a comprehensive insurance solution tailored to the needs of both nonprofit and for-profit social service organizations. This program addresses the common and specialized exposures these organizations face and offers flexible underwriting so you can place a wide range of social service accounts efficiently. Ideal Accounts and Appetite We have a broad appetite across the social services sector and welcome submissions for many types of operations, including: Residential care facilities, including group homes Adoption and foster care placement centers Mental health counseling centers Drug and alcohol treatment centers Developmentally disabled treatment centers Domestic violence shelters Whether the account is a single-site group home or a multi-state behavioral health organization, our program is structured to find coverage solutions that match operational complexity and regulatory requirements. Coverage Highlights and Advantages The Social Service Insurance program is placed on an admitted basis in all available states through American Alternative Insurance Corporation (AAIC), rated A+XV by A.M. Best. The bundled package reduces gaps and simplifies placement by combining the following coverages: General liability Professional liability Physical and sexual abuse coverage Automobile liability – owned, hired, and non-owned Management liability – includes D&O with EPLI Property, inland marine, and crime Excess liability Workers’ compensation (included as part of the package) Cyber liability (included in the package where available; state-dependent) Bundling core liability, professional, abuse, management, property, and workers’ compensation coverages streamlines quoting and helps ensure consistent limits and terms across a client’s program. Underwriting Notes and Minimum Premiums We evaluate submissions case-by-case, focusing on operations, staffing, client populations, licensing, and claims history. This program is optimized for accounts that need a full-package solution rather than standalone lines of coverage. Minimum premiums vary by account size, location, and risk characteristics; please provide detailed submission data so we can provide accurate pricing guidance. Territories and Availability This admitted program is available nationwide — admitted in all 50 states plus Washington, D.C. — making it a practical option whether your client operates in a single community or across multiple states. Why Work With RPS NIPC? As a program administrator with nearly 50 years of specialization in the social services market, RPS NIPC offers deep underwriting expertise, responsive service, and stable carrier relationships. Our long-standing partnership with AAIC provides agents with an admitted paper option and consistent policy forms and claims handling. We work closely with agents to craft placement strategies for accounts that require coordinated coverage across liability, professional, abuse, management, property, and workers’ compensation exposures. Example placements you might submit through our program: A five-site group home network with mixed staffing models seeking combined GL/PL/abuse coverage and excess limits. A regional behavioral health provider requiring D&O with EPLI, cyber protection, and property coverage across licensed clinics. For more information on our Social Service Insurance program and other RPS NIPC specialty programs, please visit our website. Frequently Asked Questions What types of accounts are a good fit for the RPS NIPC Social Service Insurance program?This program is ideal for nonprofit and for-profit organizations such as group homes, adoption and foster care centers, mental health clinics, treatment centers, and domestic violence shelters. Is this program available nationwide?Yes. The Social Service Insurance program is admitted and available in all 50 states and Washington, D.C. Can I submit a standalone Workers’ Compensation or Cyber Liability policy?No. Workers’ compensation and cyber liability are offered only as components of the complete package and are not available as standalone policies. What is the minimum premium for this program?Minimum premiums vary by account size, location, and risk profile. Provide detailed account information when you submit and we will advise on minimums and pricing. Which carrier underwrites this program?The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+XV by A.M. Best. Need help placing an account? Connect with a market specialist.

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