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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.

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Group Home Insurance from RPS NIPC is a specialty program built to meet the insurance needs of residential care providers that serve individuals with physical, developmental, or intellectual disabilities. Designed for both for-profit and non-profit operators, this admitted nationwide program gives agents access to broad, integrated protection for the operational and professional risks common in group home settings. RPS NIPC has been placing Social Service Insurance since 1976 and brings deep sector expertise to this line. The Group Home Insurance program is offered on an admitted basis and is underwritten by American Alternative Insurance Corporation (AAIC), an A.M. Best A+ XV carrier. This program is positioned for agents who need an admitted, scalable solution for single-site homes up through multi-site organizations managing multiple residences and service models. Ideal Accounts and Appetite This program targets residential care facilities that provide long-term or transitional housing for vulnerable populations. Typical fits include: Group homes serving individuals with developmental, intellectual, or physical disabilities Residential programs for physically impaired residents Transitional housing and supportive-living programs Small non-profit providers up to larger multi-site operators Accounts that usually fit well: operations with trained, screened staff; structured care plans; and documented policies for medication, supervision, and incident reporting. Accounts that commonly need special consideration include facilities with high client-to-staff ratios, unlicensed programs in regulated states, or operations offering high-risk clinical services. Coverage Highlights and Advantages The Group Home Insurance program bundles coverages that address the full spectrum of exposures for residential care facilities: Professional Liability — malpractice and negligent care allegations General Liability — premises and third-party bodily injury Physical & Sexual Abuse Liability — specialist abuse coverage wording Automobile Liability — owned, hired and non-owned auto exposures Management Liability — Directors & Officers with EPLI options Property, Inland Marine & Crime — building, contents and theft/fidelity protection Excess Liability — higher limits for catastrophic incidents Packaging these coverages through one admitted program helps reduce coverage gaps and simplifies claims coordination for your clients. Underwriting Notes and Minimum Premiums RPS NIPC underwriters evaluate operations with attention to clinical services, staffing, licensing, and loss control. Minimum premiums vary by account size and scope; contact the RPS underwriting team for precise quoting. When preparing a submission, include clear information on: Population served and client acuity Number of homes and locations Services provided (medical, behavioral, vocational, etc.) Staffing levels, screening, and training practices Licensing, accreditation, and inspection history Five-year loss run history and any regulatory actions Territories and Availability The program is available on an admitted basis in all 50 states and Washington, DC: 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. Why Work With RPS NIPC As a Program Administrator focused on social services, RPS NIPC offers underwriters with sector experience, responsive service, and admitted paper through a top-rated carrier. Agents benefit from: Specialized underwriting tailored to group home risks Admitted solutions that simplify placement and compliance Flexible packaging to address operational and management exposures Access to excess capacity and property/crime options for consolidated limits Example account scenarios: You might have a small non-profit operating three group homes seeking admitted limits and abuse coverage, or a regional provider with a mix of residential and transportation exposures that needs combined GL, professional, auto, and D&O protection on admitted paper. To learn more about Group Home Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include group homes serving residents with physical or developmental disabilities, transitional housing programs, and both non-profit and for-profit residential care facilities. Is the program admitted in all states?Yes. The Group Home Insurance program is available on an admitted basis in all 50 states and Washington, DC. What carrier underwrites this program?The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+ XV by A.M. Best. What is the minimum premium for this program?Minimum premiums vary by the size, scope, and services of the facility. Contact RPS NIPC for an accurate quote based on the account details. What types of liability are included in the coverage?Coverage includes professional liability, general liability, abuse and molestation, auto liability, management liability (D&O with EPLI), property, crime, and excess liability. Need help placing an account? Connect with a market specialist.

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.

RPS NIPC offers a tailored Church and Religious Institutions Insurance program that helps agents place coverage for houses of worship and affiliated ministries. The program is designed for churches, synagogues, temples and other religious organizations — including parochial schools, daycares, cemeteries and community social-service programs operated by faith-based organizations. Coverage is available through A.M. Best rated "A" carriers and is distributed by RPS NIPC as a program administrator. Overview of the program from RPS NIPC This program bundles core liability and property protections with specialized coverages that houses of worship commonly need. You can assemble broad packages that include general liability, pastoral counseling/service liability, abuse coverage, management liability (D&O with EPLI), property/inland marine, crime, auto liability (owned, hired & non-owned), excess liability and workers' compensation. Cyber liability is available as part of the package in eligible states (not offered as a standalone cyber policy). Ideal accounts and appetite Small to mid-size congregations and single-site houses of worship Religious schools, daycare programs and community outreach ministries Cemeteries and funeral-related operations affiliated with a religious organization Organizations that perform pastoral counseling, volunteer programs, and other ministry services Accounts with clear governance, documented volunteer and staff screening procedures, and standard risk management (e.g., child protection policies, facility safety checks) generally fit well. Larger, nationwide ministries or accounts with extensive commercial operations should be submitted for review — appetite may vary by carrier. Coverage highlights and advantages Pastoral counseling and service liability forms tailored for faith-based exposures. Physical and sexual abuse coverage included as an option to address the most sensitive exposures. Management liability (D&O) with employment practices liability (EPLI) to protect boards and leadership. Property and inland marine for church-owned buildings, contents, and specialty items (e.g., musical instruments). Crime and fidelity coverage designed for donations, collections and volunteer-handled funds. Auto liability for parish vans and other owned, hired or non-owned vehicles. Access to excess liability and workers’ compensation through admitted paper where available. Underwriting notes and minimum premiums Minimum premium: varies by state and carrier. Typical submissions should include a completed application, current loss runs (usually 3–5 years), descriptions of programs and services (including youth programs), payroll and volunteer counts, and copies of key policies (child protection, volunteer screening, facility use agreements). Underwriting will evaluate exposures such as daycare operations, boarding, camps, large public events and cemetery operations. If an account has prior abuse-related losses, large liquor exposures, or extensive commercial rental operations, expect additional underwriting review. Territories and availability Admitted status: All Available States. Available in: 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. Coverage features and availability vary by state and by carrier — contact RPS NIPC underwriting for specific state questions. Why work with RPS NIPC on this business Program administrator with focused underwriting for faith-based risks and related social services. Access to A.M. Best "A" carriers and admitted paper in the states listed. Specialized forms for pastoral liability, abuse exposures and management liability — reducing form gaps common with standard commercial packages. Practical placement options: package pricing, excess layers and workers’ compensation to create a comprehensive solution for a house of worship and its ministries. Example accounts You have a mid-size, single-site church that runs a preschool and several youth programs — this program can place GL, property, abuse coverage, D&O/EPLI and auto liability for church vans in a single package. A synagogue operating a cemetery and community outreach meals program — you can assemble property, cemetery service liability, crime coverage for collections, and excess limits through the program’s markets. For more information on our Church and Religious Institutions Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of religious organizations are a good fit for this program?RPS NIPC’s program is best for small to mid-size churches, synagogues, temples and affiliated ministries such as parochial schools, daycare programs, cemeteries and community outreach services. Larger or more complex national ministries should be submitted for review. Is sexual/physical abuse coverage included?Physical and sexual abuse coverage is available as part of the program. Because abuse exposures are sensitive, underwriters will review policies, volunteer screening and incident history during submission. Can I include cyber liability for a house of worship?Cyber liability can be added as part of the package in eligible states, but it is not offered as a standalone cyber policy. Availability and limits vary by state and carrier. What submission materials does underwriting typically request?Common requirements include a completed application, recent loss runs, descriptions of programs/services (especially youth programs), payroll and volunteer counts, and copies of relevant risk management policies (e.g., child protection, facility use rules). Who underwrites and places the business?RPS NIPC acts as the program administrator working with A.M. Best rated "A" carriers to underwrite and place admitted coverage in the states listed. Contact RPS NIPC underwriting for specific appetite, terms and state availability. Need help placing an account? Connect with a market specialist.

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