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...inst claims arising from defective parts, faulty workmanship, inadequate instr...components, including those supplying parts to commercial, military, or genera...

...mantling vehicles and selling used parts. This program pairs specialized under...dismantling vehicles and selling used parts — including self-service yards, re...

... Used machinery and machinery parts dealers Machinery parts manufacturers and component suppliers...hinery manufacturers (non-hazardous), parts manufacturers, used machinery deal...

...yber-related claims. What coverage parts are included in the policy?The policy includes four main parts: Data Breach and Security Breach Liab...mits can go up to $1 million for most parts. Is website liability included for...

...n’s products and toys Automotive parts and accessories You might have a cli...tages The policy typically offers two parts: Part I – First-Party Expenses:...

...iture, and electronics. Component Parts • Designed for parts used in manufacturing, medical, autom...mporters of consumer goods, component parts, or consumable products that face ...

...mer products, as well as component parts. Target classes include: Consumab...e goods, consumer products, component parts, and regional restaurant chains. C...

...ether your client distributes used parts, performs onsite installations, servi...anufacturers, used equipment dealers, parts makers, repair shops, and installe...

About Long Term Care Long Term Care insurance has become one of the hottest topics of discussion. Regardless of the fact that this product has been around for the last 30 years, in one fashion or another, it has only been in the last few years that it has really become part of the retirement and estate planning process. Please read some of the Q&A below and determine for yourself how beneficial Long Term Care insurance can be for you, as well as your clients! When you're ready, call the LTC team at UMS for assistance... Why is planning for Long Term Care a critical step in the retirement planning process? Statistically speaking, a person's chance of living long enough to need care someday is very high. Regardless, the reason a plan is important for LTCI is the same reason a retirement plan is important...because planning ahead is better than waiting until it's too late, period. Why should Long Term Care be part of my repertoire? People born between the years of 1946 and 1962 are commonly referred to as the "Baby Boomers" and constitute nearly 80 million people! And, the last we looked, they were growing older! Long Term Care insurance is part of the future because people don't die today from the same things that they died from in the "good old days." Heart attacks, strokes, and cancer are some of the conditions that were considered death sentences before, but are now manageable conditions! If people don't die, then they live. If they live, then they grow older. If they grow older, they may get sick. If they get sick, they may need care because they're older. Why can't my clients rely on government programs? Turn on any news report, read any news article, search the internet for any reference to Social Security, Medicare and Medicaid and find basically the same answer. There is not enough funding of these programs to support the current populace, let alone the future ones. Medicare pays very little, for nursing care only, and Medicaid pays only when the individual has become impoverished. Remember, Medicaid is part of the welfare program. The Deficit Reduction Act of 2005 has changed the scope of planning to move monies to family, friends, churches etc. The look back period for planning for Medicaid has changed from 3 years to 5 years and virtually nothing escapes the review of where dollars have gone, not annuities, life insurance policies, grandchildren, etc. In order for an individual to become impoverished means losing control of their assets, probably long before they need to worry about long-term assistance or Medicaid.

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.