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...PC proudly offers its specialized Bicycle Manufacturers Insurance program, tai...rom small startups to large-scale manufacturers. Who underwrites this program?...

RPS NIPC offers a national Bicycle / Bike Insurance program written as ...ge, and fraud protection tailored to bicycle/bike/ski/segway operations. In wh...

...ages for primary and secondary manufacturers, distributors, and dealers of lum...de sawmills, cabinet and millwork manufacturers, lumberyards, and building mat...

Importing Insurance Program from Citadel Insurance Services Citadel Insurance Services offers a specialized Importing Insurance program designed to meet the unique risks faced by importers and wholesalers across a wide range of industries. Whether your client is bringing in consumer electronics, specialty chemicals, or aftermarket auto parts, our team understands the exposures and can tailor solutions that help protect their operations and inventory. As a Managing General Agency (MGA), we work with a variety of carriers and have access to both admitted and non-admitted markets. Our brokers focus on hard-to-place risks and complex coverage needs, including liability and stock throughput. We support agents and brokers in placing challenging accounts and growing their book of business. Target Industries and Ideal Accounts Our program is designed for importers and wholesalers of a wide variety of product categories, including but not limited to: Recreational Products Consumer Products Life Science Products Automobile Performance Products Chemicals and Plastics Electrical and Electronic Goods Cleaning Products Additional high-exposure or niche product lines From small importers of niche consumer products to large wholesalers of high-value goods, this program can accommodate a wide range of businesses. You might have a client who imports performance car parts from Asia or a wholesaler distributing cleaning supplies nationwide—both are potential fits. Coverage Highlights and Advantages We offer coverage solutions that address the specific exposures importers and wholesalers face, including: General Liability Product Liability Stock Throughput and Inland Marine Excess Liability Our brokers can help structure layered programs and adapt coverage to suit complex supply chains and distribution channels. We understand how to position your client's risk to the marketplace and provide underwriting support to help you close and retain business. Underwriting Guidelines and Minimum Premium Minimum premiums for this program start at $2,500. We evaluate each account based on product type, volume, distribution methods, loss history, and other underwriting factors. Our team is skilled at reviewing accounts with challenging exposures and crafting solutions that are both competitive and comprehensive. Available States The Importing Insurance program is 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. Availability may vary by carrier and product line. Why Work With Citadel Insurance Services? Citadel Insurance Services is an experienced MGA with a strong focus on niche and hard-to-place risks. Our Importing Insurance program is supported by knowledgeable brokers who understand the import/export industry and can help you deliver tailored solutions to your clients. We provide responsive service, flexible underwriting, and access to diverse carrier partners to help you win and retain business in a competitive market. Please contact us for more information on our Importing Insurance program! Frequently Asked Questions What types of accounts are a good fit for this Importing Insurance program?Accounts involving the import or wholesale distribution of consumer goods, chemicals, electronics, performance auto parts, and other specialty products are ideal. We have a broad appetite for niche and higher-risk classes. What coverages are typically included in the program?Coverage can include general liability, product liability, stock throughput, inland marine, and excess liability, depending on the needs of the account. What is the minimum premium for this program?The minimum premium starts at $2,500, though actual pricing depends on underwriting factors such as product type, volume, and loss history. Is this program available in my state?The program is available in most U.S. states. Please contact us for specific state availability and carrier options. Does Citadel work with hard-to-place or high-risk importers?Yes. Citadel specializes in hard-to-place risks and has experience structuring coverage for unique or high-exposure imported products. 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.

...nagement. Typical fits include manufacturers, large healthcare operations, col...

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.

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.

Caitlin Morgan Insurance Services offers a focused Excess Workers Compensation Insurance program for retail brokers who need strong market access and flexible solutions. Our team has a long track record placing excess workers’ compensation for individual self-insured entities and group self-insurance programs across a wide range of industries. Ideal Accounts and Appetite This program is designed for employers and group self-insured entities that maintain a qualified self-insured retention and require protection above that attachment. Target accounts include municipalities, healthcare systems, manufacturing operations, transportation and logistics companies, and other organizations with strong safety programs and active risk management. If your client has a self-insured retention and needs catastrophic loss protection, this excess program is a practical option. Coverage Highlights and Advantages Multiple limit options available, including limits up to statutory requirements Minimum attachment point of $300,000 per accident Written in excess of a qualified self-insured retention Aggregate protection available where appropriate Optional Cash-Flow Endorsement to assist with capital and premium timing Key Competitive Advantages Access to a panel of A-rated carriers Creative underwriting for complex or hard-to-place risks Flexible terms tailored to each client’s exposure and funding structure Competitive commission structures for retail partners Underwriting Notes The program requires a minimum attachment point of $300,000 per accident and is only available in excess of a qualified self-insured retention. We partner with agents to structure excess layers—providing per-occurrence and aggregate forms when appropriate—and to evaluate captive or pooled arrangements where applicable. Territories and Availability Available in all 50 states and the District of Columbia. We can access both admitted and non-admitted markets depending on the client’s jurisdiction and risk profile. Why Work With Caitlin Morgan As a wholesale broker specializing in self-insured workers’ compensation programs, Caitlin Morgan delivers market access, underwriting insight, and placement experience. Our team understands the technical and financial needs of self-insured sponsors—whether a single employer or a group program—and works with reputable carriers to secure competitive, tailored excess placements. Contact: Chris Murray P: 800-723-7475, Ext. 233 [email protected] Frequently Asked Questions What types of accounts are a good fit for this Excess Workers Compensation program?This program fits individual employers and group self-insured entities with a qualified self-insured retention. Target industries include municipalities, healthcare, manufacturing, and transportation. What is the minimum attachment point for coverage?The minimum attachment point is $300,000 per accident. Coverage is provided in excess of a qualified self-insured retention. Are aggregate limits and endorsements available?Yes. Aggregate protection is available, and a Cash-Flow Endorsement can be added to support a client’s financial planning needs. Can this program be written in all states?Yes. Coverage can be placed in all 50 states and the District of Columbia, with access to admitted and non-admitted markets as appropriate for the jurisdiction. What carriers does Caitlin Morgan work with for this program?We work with a range of A-rated carriers to deliver flexible and competitive excess workers’ compensation solutions. 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.