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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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Non-Trucking Liability Insurance Program from Continental Risk / Continental Marine Insurance Services Continental Risk / Continental Marine Insurance Services offers a dedicated Non-Trucking Liability (NTL) Insurance Program designed to provide essential protection for owner-operators when they are not under dispatch. This coverage fills the gap when the primary motor carrier’s liability policy does not apply—such as when a driver is using a vehicle for personal use or activities not related to transporting goods. This program is ideal for agents and brokers working with independent truckers who operate under lease agreements and need NTL coverage to stay compliant and protected while off the job. As a specialized excess & surplus lines broker, Continental Risk brings strong market access and underwriting expertise to help place these accounts effectively. Ideal Accounts and Appetite This program is best suited for: Independent owner-operators leased to a motor carrier Drivers operating tractors for personal use when not under dispatch Trucking professionals with clean MVRs and driving histories Accounts with prior NTL coverage and favorable loss history Example: You might have a client who owns a tractor-trailer and is leased to a motor carrier, but occasionally uses the tractor for personal use. This program ensures they're properly covered during those times. Coverage Highlights and Advantages Continental Risk's Non-Trucking Liability Program offers: Liability protection during non-business use of a commercial truck Support for underwriting new ventures (surcharge may apply) Access to admitted markets, where available No minimum premium requirement, offering flexibility for smaller accounts This coverage is essential for maintaining continuous protection and avoiding potential gaps that could lead to uncovered losses when a driver is not under a carrier’s dispatch. Underwriting Guidelines and Submission Requirements To underwrite each risk, agents must provide: Driver’s lease agreement Motor Vehicle Report (MVR) Loss runs for prior NTL coverage (or note if it's a new venture) Drivers are not eligible if they: Are under 23 years of age Have more than 4 incidents in the past 36 months, or more than 2 in the past 12 months Have more than 1 at-fault accident in the past 12 months, or more than 2 in the past 36 months Have less than 2 years of experience driving similar equipment Have a major violation within the last 3 years Major violations include: DUI/DWI, refusal to test, reckless driving, hit & run, fleeing law enforcement, open container, speeding 20+ mph over limit, allowing an unlicensed driver, and felony-related vehicle incidents. States Where Coverage Is Available This Non-Trucking Liability program is available in the following states: AL, AZ, AR, CA, CT, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MN, MS, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI. Why Work with Continental Risk / Continental Marine Insurance Services As an experienced excess & surplus lines broker, Continental Risk / Continental Marine Insurance Services offers agents access to competitive admitted markets and underwriting expertise in trucking-related risks. The team understands the nuances of NTL exposure and works closely with brokers to ensure timely and effective placements. With no minimum premium and a wide state footprint, this program is a practical option for agents looking to support independent truckers and leased drivers. Frequently Asked Questions What types of accounts are a good fit for this Non-Trucking Liability program?Owner-operators leased to a motor carrier who use their commercial vehicles for personal or non-business purposes are ideal candidates. What submission materials are required?You will need to submit the driver’s lease agreement, MVR, and loss runs if there is prior NTL coverage. New ventures may be subject to a surcharge. Are there age or experience restrictions for drivers?Yes. Drivers must be at least 23 years old and have at least 2 years of experience operating similar equipment. Is this program available on an admitted basis?Yes, the program is available through admitted markets, depending on the state. What are some examples of major violations that would disqualify a driver?Major violations include DUI, reckless driving, hit and run, fleeing law enforcement, and speeding 20+ mph over the limit. Need help placing an account? Connect with a market specialist.