Search CompleteMarkets

... technical, vocational, and trade schools, as well as private elementary, middle, and high schools with specialized curriculums. This p...ate trade, technical, and vocational schools, as well as tutoring centers and ...

Adult Day Care Insurance — AFC Insurance Inc. Program AFC Insurance Inc. offers a dedicated Adult Day Care Insurance program tailored for professional adult day care centers and related human & social services operations. This program is designed for agents and brokers who need a market that understands the staff, volunteer, property and professional liability exposures typical of adult day services, adult day health facilities, social and medical model programs, and services for developmentally disabled or mentally ill populations. Overview of the Program From AFC Insurance Inc. As a program administrator, AFC Insurance Inc. places package and stand-alone coverages through varying carriers to deliver flexible solutions for adult day care operators. The program combines General Liability and Professional Liability with property, auto, umbrella and specialty endorsements commonly requested by this segment. Coverage endorsements can include volunteers and independent contractors as insureds, an optional key employee replacement endorsement, extended coverage with blanket additional insured, and abuse & molestation coverage where needed. Ideal Accounts and Appetite The program fits: Professional adult day care centers and adult day services Adult day health facilities (social and medical models) Programs offering supervised care, meals, social activities, and limited health services Services for the developmentally disabled, mentally ill, or partial hospitalization/day treatment programs Typical accounts have controlled client ratios, trained staff, documented policies for medication administration and incident reporting, and limited on-site medical procedures. High-acuity facilities that function as primary medical providers or have full residential care are usually outside appetite. Coverage Highlights and Advantages Package options combining Property, General Liability, Professional Liability and Abuse & Molestation Endorsements to add Volunteers & Independent Contractors as insureds Optional Key Employee Replacement and Extended Coverage Endorsements with Blanket Additional Insured Umbrella limits available to broaden liability protection Auto coverage for business vehicles (subject to carrier restrictions) Flexible placement through multiple carriers — “Carriers: Varies” — to match risk characteristics Underwriting Notes and Minimum Premiums Underwriting focuses on operations, staffing ratios, policies for medication and supervision, facility security, transportation practices, and claims history. Documentation that speeds placement includes client rosters, staff training records, written policies and procedures, and loss runs. Minimum premium and rate levels vary by carrier and state; AFC’s program can place accounts with differing premium thresholds depending on the chosen market. Example Accounts an Agent Might Place You have a 30-person adult day center that provides meals, social activities and limited nursing oversight — the program can provide a package policy with General & Professional Liability and abuse & molestation coverage. A non-profit day services program with volunteers and occasional contracted therapists — the volunteer/independent contractor endorsements and blanket additional insured language can address those exposures. Territories and Availability Available in most states (Most Available States). Current territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Some state restrictions may apply. Why Work With AFC Insurance Inc. on Adult Day Care Business AFC Insurance Inc. brings program-focused underwriting and access to multiple carrier appetite options specifically for human & social services. Agents benefit from coverage flexibility, common endorsements needed by adult day providers, and underwriting that understands the difference between social model and medical model operations. For accounts that match the program’s appetite, AFC can help secure competitive terms across property, liability and specialty layers. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Professional adult day centers that provide meals, supervised activities and limited health services are the best fit. Programs with documented policies, trained staff and controlled client-to-staff ratios typically place well. Full residential care or high-acuity medical providers are usually out of appetite. Which coverages and endorsements can I request through AFC’s program?Common options include Package (Property + Liability), General & Professional Liability, Abuse & Molestation, Auto (subject to carrier restrictions), Umbrella, volunteer & independent contractor as insureds endorsements, optional key employee replacement, and extended coverage with blanket additional insured language. How does state availability and admitted status affect placement?The program is available in most states listed on this page. Because carriers vary by state, some features and forms depend on state regulations and carrier appetite. Agents should confirm specific state availability and admitted/non-admitted status at submission time. What submission materials help underwriters make a faster decision?Provide a current application, recent loss runs, staff training and supervision policies, medication administration procedures, client capacity and staffing ratios, and details on transportation or medical services to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Sports League Insurance program designed to meet the unique needs of amateur athletic organizations. Whether your client manages a seasonal youth soccer league, a community basketball program, or a nonprofit athletic camp, this program provides tailored protection for non-contact sports organizations operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is a strong fit for local and regional amateur sports organizations, camps, clinics, and leagues focused on non-contact sports. Target classes include: Youth and adult recreational leagues Seasonal sports camps and clinics Community-based athletic programs Eligible sports include, but are not limited to, archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis, and volleyball. Contact sports and high-risk athletic programs may be outside the program’s appetite. Reach out to Colonial General for underwriting clarification on fringe or high-risk activities. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis, allowing you to customize protection based on your insured’s operations. Highlights include: Commercial General Liability Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits up to $25 million Included coverages: Additional Interests Medical Payments Coverage – $5,000 limit Limited Participant Liability – $25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate No deductible Property Coverage Buildings, Contents, and Equipment Breakdown Business Income and Food Spoilage Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for losses occurring outside the premises Underwriting Notes Colonial General works with various carriers to offer access to both admitted and non-admitted markets, depending on the risk and location. While minimum premiums are not listed, underwriting flexibility allows room for a variety of account sizes, especially in community-based and nonprofit markets. Submissions should include details such as the type of sport, number of participants, location, and duration of events or seasons. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents operating in these Western states can rely on Colonial General’s regional knowledge and market access to place coverage efficiently. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in placing niche programs for specialty markets. With access to a variety of carriers and a flexible underwriting approach, they support agents in tailoring solutions for sports leagues and camps that face unique liability and property exposures. Their in-depth knowledge of regional risks and responsive service model make them a trusted partner for placing amateur sports accounts. Whether you’re helping a local youth soccer league secure liability coverage or working with a nonprofit that runs seasonal cheerleading clinics, Colonial General can help you find the right protection for your client’s activities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports leagues, camps, clinics, and community-based athletic organizations involved in non-contact sports such as soccer, baseball, cheerleading, and tennis. Are contact sports eligible for coverage?Generally, this program focuses on non-contact sports. Contact sports may be outside the standard appetite, but you can contact Colonial General for specific underwriting guidance. What states is this program available in?The Sports League Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is liability coverage available as standalone or only as part of a package?Liability coverage is available on a standalone (mono-line) basis or as part of a package with property and crime coverages. What limits are available for general liability?Primary general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. Need help placing an account? Connect with a market specialist.

ProSight Specialty Insurance offers a robust Excess Workers’ Compensation Insurance Program designed for qualified self-insured entities across a variety of sectors. This is a national admitted program available exclusively through ProSight’s trusted MGA partner, Midlands Management Corporation. If you're an agent or broker seeking a reliable market for self-insured clients in need of excess workers’ comp protection, this program is built to deliver comprehensive coverage solutions. Ideal Accounts and Appetite This program is specifically tailored for: Heterogeneous groups or associations Stand-alone individual self-insured entities Public entities, such as municipalities and school districts All insureds must be certified by their state of domicile to self-insure. The program is ideal for organizations with strong loss control practices and the financial capacity to absorb a self-insured retention (SIR). Coverage Highlights and Advantages Terrorism coverage included SIRs as low as $300,000 Aggregate/Stop Loss protection available Corridor and Inner Aggregate deductibles Employer’s Liability Coverage up to $5 million Out-of-State Coverage for multi-jurisdictional risks Communicable Disease Coverage up to $50 million USL&H coverage up to statutory limits Ability to work with Third-Party Administrators (TPAs) and self-administered programs Optional package coverage including Auto Liability, General Liability, Property, and Umbrella Underwriting Notes and Program Limits Specific Excess: Up to statutory limits Employer’s Liability: Up to $5 million Communicable Disease: Up to $50 million USL&H: Up to statutory limits All coverage is written on an admitted basis in most available states. Territories and Availability This Excess Workers’ Compensation program is available in most states, including but not limited to: CA, TX, FL, NY, IL, and PA. A full list includes over 45 states and the District of Columbia. Please contact Midlands Management Corporation to confirm specific state availability. Why Work With ProSight Specialty Insurance ProSight Specialty Insurance brings a deep understanding of complex self-insured workers’ compensation needs. By partnering with Midlands Management Corporation, ProSight delivers a streamlined distribution model, experienced underwriting, and access to flexible, high-limit coverage designed for public and private entities. Whether your client is a large municipality, a manufacturing association, or an individual employer with a strong risk profile, this program offers the tools and support you need to protect their workforce and financial stability. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for qualified self-insured public entities, individual employers, and industry associations with strong risk control practices. Is this program available nationwide?The program is available in most states, including CA, TX, FL, NY, and many others. Always confirm with Midlands Management Corporation for specific state eligibility. What are the minimum self-insured retentions (SIRs) required?SIRs start as low as $300,000, depending on account size, industry, and risk profile. Can this program accommodate multi-state exposures?Yes, the program includes Out-of-State Coverage and can accommodate employers operating in multiple jurisdictions. Does the program allow the use of TPAs or self-administration?Yes, the program supports clients working with Third-Party Administrators or managing claims in-house. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a focused Assisted Living (Property and Auto) Insurance program tailored for licensed Assisted Living Facilities. These operations serve elderly or developmentally disabled residents and typically provide housing, personal care, meals, and limited medical support. AFC’s program concentrates on the core property and automobile exposures these facilities face, giving agents a reliable admitted market for this niche sector in most states. Ideal Accounts and Appetite This program targets licensed and regulated assisted living facilities that provide residential care in a group setting. Ideal risks include locations that own or lease vehicles used for resident transport (appointments, errands, community outings) and facilities with on-site property exposures. Privately owned assisted living homes with multiple residents Mid-sized residential care facilities offering daily resident transportation Facilities in suburban or rural settings with on-premise property and vehicle needs Accounts that need General Liability or Professional Liability coverage are outside the scope of this program and must be placed with separate solutions. Example account scenarios: A single-location, privately owned 15-bed assisted living home that operates one 12-passenger van for resident transport. A mid-sized suburban facility with 30–50 residents, two staff-run passenger vans, and on-site communal dining and activity spaces. Coverage Highlights and Advantages The program provides two essential lines of coverage that address the most frequent exposures for assisted living operations: Property Coverage: Protects the facility structure and contents, including resident areas, offices, common rooms, and equipment. Automobile Coverage: Insures company-owned or leased vehicles used to transport residents, staff, or supplies, including passenger exposure. Writing primarily on an admitted basis in most available states, AFC places business with carriers selected to match the individual risk profile. This focused offering helps agents cover the facility’s physical assets and transportation exposures without bundling unrelated liability lines into the same program. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. AFC evaluates each submission to align the account with the appropriate market. Minimum premiums vary by facility size, building values, and number/type of vehicles. To streamline placement, be prepared to provide: Facility details: licensed occupancy, building construction, year built, fire protection, and estimated values Operations: number of residents, on-site services, staffing levels, and transportation routines Vehicle information: year/make/model, seating capacity, ownership (owned/leased), driver qualifications, and usage Agents should expect case-by-case review; unusual exposures (extensive medical services, high-hazard operations, or large-scale fleet needs) may require alternate markets or supplemental liability placements. Territories and Availability The program is available in most U.S. states — accessible in over 45 states, including CA, FL, TX, NY, IL, and PA — with admitted placement in most jurisdictions. AFC accepts submissions from urban, suburban, and rural regions and works to match accounts to carriers that participate in each territory. Why Work With AFC Insurance Inc.? As a program administrator experienced in the senior care sector, AFC Insurance Inc. brings targeted underwriting and market access for assisted living property and auto exposures. Agents benefit from: Niche underwriting focused on assisted living property and transportation risks Admitted paper in most states for smoother policyholder servicing and regulatory compliance Flexible placement for single-location and growing operations with vehicles Responsive submission review to align accounts with appropriate carriers Whether you represent a small privately owned home or a mid-sized facility with resident transport needs, AFC can help you secure property and auto coverage tailored to this niche segment. Frequently Asked Questions What types of accounts are a good fit for this program?Privately owned or mid-sized assisted living facilities that need property and auto coverage are a strong match. Facilities that own or operate vehicles for resident transport are ideal. Does this program include General Liability or Professional Liability coverage?No. This program is limited to Property and Auto coverage. General Liability and Professional Liability are not included and must be placed separately. Is this an admitted program?Yes. The program is written on an admitted basis in most available states, though final carrier selection depends on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary based on facility size, property values, and number of vehicles. Submissions are reviewed on a case-by-case basis. In which states is this program available?This program is available in over 45 states, including CA, FL, TX, IL, NY, and more. Contact AFC for availability in a specific state. Need help placing an account? Connect with a market specialist.

... alcohol) Private and charter schools (including schools for the deaf and blind) Nursing ...

... include: Beauty or barber schools Businesses that manufacture, mix...ohibited risks include barber/beauty schools, operations involving tattooing, ...

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.