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RPS NIPC has been a trusted provider of Social Service Insurance solutions since 1976. Backed by decades of experience, our comprehensive Adoption and Foster Care Insurance program is designed specifically to meet the unique needs of Adoption and Foster Care Placement Agencies across the country. Overview of the Program from RPS NIPC Our specialized insurance program is underwritten through an A.M. Best rated A+XV carrier, American Alternative Insurance Corporation (AAIC), and is available nationwide on an admitted basis. RPS NIPC understands the complex risks faced by organizations involved in child placement services, and we are committed to helping insurance agents and brokers secure comprehensive, reliable coverage for their clients in this space. Ideal Accounts and Appetite This program is tailored for: Adoption agencies (both domestic and international) Foster care placement agencies Organizations that provide child welfare or family support services We are looking for well-managed organizations that prioritize compliance, training, and safety protocols. Whether your client is a small local nonprofit or a large multi-state operation, we can help you find the right coverage package to suit their needs. Coverage Highlights and Advantages Our Adoption and Foster Care Insurance program offers a broad range of coverages to help your clients manage risk and operate with confidence: Professional Liability – Protects against claims arising from professional services and decisions. General Liability – Covers bodily injury, property damage, and related exposures. Physical and Sexual Abuse Liability – Critical protection for organizations working with vulnerable populations. Automobile Liability – Includes owned, hired, and non-owned vehicle coverage. Management Liability – Includes Directors & Officers coverage with Employment Practices Liability (EPLI). Property, Inland Marine, and Crime – Covers physical assets, mobile equipment, and employee dishonesty. Excess Liability – Additional limits for critical coverages. Workers Compensation – Available as part of a package (not stand-alone). Cyber Liability – Available in most states as part of a package (not stand-alone). Underwriting Notes and Minimum Premiums Minimum premiums for this program vary depending on the size, scope, and services of the organization. All coverages are bundled as part of a comprehensive package—stand-alone policies are not offered for Workers Compensation or Cyber Liability. Underwriting considers the organization’s licensing, risk management practices, claims history, and operational structure. Territories and Availability This program is available on an admitted basis in all 50 states and Washington, DC. No matter where your client operates, RPS NIPC can provide tailored insurance solutions that meet state-specific requirements and industry expectations. Why Work with RPS NIPC? With more than 45 years of experience in the social services sector, RPS NIPC offers unmatched expertise in underwriting risks related to adoption and foster care. We understand the sensitive and high-liability nature of this work and offer responsive service, deep market knowledge, and access to a stable carrier. Our dedicated team is here to support you throughout the quoting, binding, and servicing process. 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. They 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 require licensing details, risk management procedures, claims history, financials, and a completed application to provide a quote. Need help placing an account? Connect with a market specialist.

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.

Underwriting Solutions of America, Inc Are you frustrated with PEO or self-insured placements that leave your clients exposed to hidden fees, lost mods, or poor service? Underwriting Solutions of America (USA), a division of All Insurance Underwriters, Inc., offers a better way. As a trusted and preferred PEO vendor for insurance agencies nationwide, USA specializes in PEO/Employee Leasing Programs designed to simplify workers' comp placement, especially for high-risk or hard-to-place classes. Our programs are built with transparency, flexibility, and agent support at their core—making us a go-to partner for agencies looking to deliver long-term value to their clients. Ideal Accounts and Appetite Our PEO program is tailored for accounts that traditional markets shy away from. We welcome: High-risk industries such as roofing, steel erection, bridge construction, logging, and trucking High experience mods (no mod is too high—we specialize in mods over 1.35) Unique or tough class codes that often require creative solutions Staffing companies and labor-intensive businesses USL&H exposures and other complex risks If it's tough to place, it's a great fit for us. Coverage Highlights and Advantages No upfront or audit premiums – Reduce client frustration with unexpected costs “Pay-as-you-go” billing – Improves cash flow and simplifies administration Little to no money down – Ideal for businesses with tight budgets Fast and easy start-up – Get your clients covered quickly Guaranteed cost and deductible options – From as low as $500 per occurrence to $1 million layers Creative deductible programs – Flexible structures to meet your client's needs Residual commissions – Above industry average for agency partners Underwriting Notes and Minimum Premiums Programs are typically written on Multiple Coordinated Policies (MCP) and report to the bureau biannually. All costs are disclosed transparently at the time of quoting—no surprises. Our underwriting approach is common sense-driven, with a focus on educating the insured to reduce losses and improve mod scores over time. Minimum premiums vary by risk and state. Territories and Availability Our PEO programs are available in all 50 states, including DC. Whether your client is located in California, Texas, Florida, or a smaller market like Vermont or North Dakota, we’ve got you covered. Most programs are written on a non-admitted basis, depending on state regulations and class of business. Why Work With All Insurance Underwriters, Inc. Underwriting Solutions of America works hand-in-hand with agents and brokers throughout the quoting, onboarding, and servicing process. Our partners value our responsiveness, transparency, and ability to place accounts that other markets won’t touch. Whether you're placing a start-up roofer or a multi-state trucking operation with high losses, we bring deep expertise and competitive options. Click on our USA Partner Agreement or call today to work with a team that combines underwriting precision with real-world solutions. Currently operating in all states For more information on competitive quotes and details about Underwriting Solutions of America, please visit www.usa4insurance.com Frequently Asked Questions What types of accounts are a good fit for this PEO program?This program is ideal for high-risk industries, high experience mods, tough class codes, and businesses declined by standard markets. Can I place accounts in any state?Yes, this program is available in all 50 states and the District of Columbia, subject to state-specific regulations. What deductible options are available?We offer flexible deductible structures—from guaranteed cost to $500 per occurrence and up to $1 million layers, depending on the account. Are there any upfront premium requirements?No, our PEO program does not require upfront or audit premiums, and most accounts can start with little to no money down. How involved is your team during the onboarding process?Our team works closely with your agency throughout quoting, enrollment, and servicing to ensure a smooth and successful placement. Need help placing an account? Connect with a market specialist.

Caitlin Morgan Insurance Services offers a robust Captive Insurance Solutions program tailored for agents and brokers seeking alternative risk financing options for their clients. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Caitlin Morgan brings deep expertise in captive and rent-a-captive structures to help businesses gain more control over their insurance programs, manage risk more effectively, and reduce long-term insurance costs. Overview of the Program From Caitlin Morgan Insurance The Captive Insurance Solutions program is designed to support organizations looking for greater flexibility and more direct involvement in their insurance operations. Whether your client is seeking to stabilize costs, access reinsurance markets, or participate in underwriting profits, Caitlin Morgan provides turnkey solutions that are customized to meet unique risk profiles and financial objectives. With access to various carriers and reinsurance partners, Caitlin Morgan supports a range of captive models, including single-parent, group, and rent-a-captive programs. Their bundled services approach simplifies implementation and ongoing management, making captive strategies more accessible for a broader range of businesses. Ideal Accounts and Appetite This program is an excellent fit for mid-sized to large businesses with consistent loss histories and a proactive approach to risk management. Target industries include, but are not limited to: Healthcare facilities and senior living organizations Construction and real estate Manufacturing and distribution Educational institutions and nonprofits Transportation and logistics You might have a client with a strong safety program and predictable claims who is frustrated with fluctuating premiums—this captive solution can help them take more control of their insurance spend. Coverage Highlights and Advantages Key benefits include: Greater input and control over claims handling and risk management Lower net cost of insurance over time Flexible program design tailored to specific risk profiles Direct access to the reinsurance marketplace Opportunity to participate in underwriting and investment results Comprehensive, one-stop bundled services approach These advantages help insureds align their insurance program with long-term business objectives while gaining transparency and stability in pricing. Underwriting Notes and Minimum Premiums Each captive arrangement is customized, and underwriting is based on a detailed review of the insured’s loss history, financials, and operational practices. While there is no universal minimum premium listed, Caitlin Morgan typically works with accounts that are large enough to benefit from the economies of a captive model. Agents should be prepared to provide detailed submission data to determine fit. Territories and Availability This program is available in all U.S. states, including DC. Whether your client is based in California, Texas, New York, or anywhere in between, Caitlin Morgan can assist in structuring a compliant and effective captive solution. Why Work With Caitlin Morgan Insurance Services With decades of experience in alternative risk financing, Caitlin Morgan Insurance Services offers the knowledge, carrier access, and service infrastructure needed to support complex captive arrangements. Their team of specialists works closely with agents and brokers to craft tailored solutions that meet your clients’ operational and financial needs. From initial feasibility analysis to implementation and ongoing management, Caitlin Morgan is your partner in developing successful captive insurance strategies. Captive Solutions Contact: Chris Murray P: (800)723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this program?Businesses with predictable loss experience, strong risk management practices, and a desire for long-term insurance cost control are ideal candidates. Target industries include healthcare, manufacturing, transportation, and construction. What captive structures does Caitlin Morgan support?Caitlin Morgan supports single-parent captives, group captives, and rent-a-captive arrangements, depending on the client’s size, risk profile, and goals. How can a captive help lower insurance costs?Captives can reduce net insurance costs by allowing insureds to retain profitable underwriting results, access reinsurance markets, and better manage claims and loss control strategies. Can Caitlin Morgan help with captive feasibility studies?Yes, Caitlin Morgan offers a turnkey approach that includes feasibility analysis, program design, and implementation services to ensure the right fit for your client. Is this program available nationwide?Yes, Caitlin Morgan’s Captive Insurance Solutions are available in all U.S. states, including the District of Columbia. 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.

Group Home Insurance from RPS NIPC is designed to meet the unique insurance needs of residential facilities that serve individuals with physical or developmental disabilities. As the demand for group homes continues to grow, this program offers comprehensive protection for organizations—whether they operate on a for-profit or non-profit basis. Backed by decades of experience in the social services sector, RPS NIPC has been writing Social Service Insurance business since 1976. Our Group Home Insurance program is available nationwide on an admitted basis and is underwritten by an A.M. Best rated A+ XV carrier, American Alternative Insurance Corporation (AAIC). Ideal Accounts and Appetite This program is tailored for residential care facilities that provide long-term or transitional housing for vulnerable populations. Eligible risks may include: Group homes serving individuals with developmental or intellectual disabilities Facilities for physically impaired residents Transitional housing programs Non-profit and for-profit operations Whether your client is a small non-profit managing a few homes or a larger organization with multiple residential facilities, this program is designed to accommodate a wide range of operations and service models. Coverage Highlights and Advantages The Group Home Insurance program offers robust coverage designed to address the unique exposures faced by residential care facilities: Professional Liability General Liability Physical and Sexual Abuse Liability Automobile Liability – Owned, Hired, and Non-Owned Management Liability – Includes Directors & Officers (D&O) with EPLI Property, Inland Marine, and Crime Excess Liability These coverages help protect your clients from operational, legal, and reputational risks common in group home settings. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. The underwriting team at RPS NIPC brings deep experience in the social services sector and evaluates each submission carefully to tailor coverage to the risk. To help streamline the process, submissions should include detailed information about the facility’s population served, number of homes, services offered, and any prior claims history. Territories and Availability This program is available on an admitted basis in all 50 states plus 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 RPS NIPC brings over 45 years of expertise in social services insurance. As a specialized Program Administrator, RPS NIPC understands the nuanced risks associated with group homes and offers agents and brokers a reliable, nationwide solution through a top-rated carrier. You can expect responsive underwriting, flexible solutions, and a program that grows alongside your clients’ evolving needs. 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 based on the size, scope, and services of the facility. Contact RPS NIPC for a specific quote. What types of liability are included in the coverage?The program includes professional liability, general liability, abuse and molestation coverage, auto liability, management liability (with D&O and EPLI), property, crime, and excess liability. 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.

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.

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