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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...

...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...

Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is tailored to address the unique risks faced by facilities providing professional Alcohol and Drug Rehabilitation Services. Whether your client operates a residential treatment center, outpatient counseling clinic, or sober living facility, this program offers comprehensive protection for a wide range of services, including medical care, behavioral therapy, and nutritional counseling. Ideal Accounts and Eligible Classes This program is a strong fit for agents looking to place coverage for a variety of addiction treatment operations, including: Addiction Treatment Centers Drug Rehabilitation Facilities Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Rehabilitation Centers Sober Living Homes Clinics (must be part of a broader treatment program) Outpatient Detox Programs Ineligible Classes Facilities offering Level 4 Plus Detox services Coverage Highlights and Advantages AFC Insurance Inc.'s program offers agents access to a wide range of coverages designed specifically for the operational and professional risks of treatment centers: Package Coverage General and Professional Liability Endorsements for Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Coverage Optional Blanket Additional Insureds via Extended Coverage Endorsement Umbrella Liability Property and Auto Coverage (some restrictions may apply) Abuse and Molestation Coverage Underwriting Notes and Minimum Premiums Minimum premiums vary depending on state, class of business, and scope of operations. Standalone clinics are not eligible unless part of a broader treatment offering. AFC Insurance Inc. works with multiple carriers to provide flexible underwriting solutions tailored to the unique exposures of each facility. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, with access to a broad network of carriers to meet both regulatory and operational needs. Why Work With AFC Insurance Inc.? As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the human and social services sector. Their Addiction Treatment Center Insurance Program is built to help agents confidently place business for a wide range of rehabilitation and counseling facilities. With flexible coverage structures, robust liability protection, and competitive market access, AFC supports agents every step of the way—from submission through policy issuance. You might have a client who operates an outpatient drug counseling center with part-time staff and volunteer counselors. Or perhaps a residential alcohol rehabilitation facility that includes medical detox and nutritional therapy. AFC Insurance Inc. has the tools and underwriting support to help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and outpatient addiction treatment centers, including alcohol and drug rehab facilities, sober living homes, and counseling clinics that are part of a broader treatment offering. Are standalone clinics eligible for coverage?No, clinics must be part of an overall treatment plan or facility to be eligible for coverage under this program. Is Abuse and Molestation coverage included?Yes, Abuse and Molestation coverage is available as part of the broader package, helping protect facilities from sensitive liability exposures. What is the underwriting process like?AFC Insurance Inc. works with multiple carriers and offers flexible underwriting tailored to the specific operations, services, and staffing structure of each facility. Which states is this program available in?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Admitted coverage is available in many jurisdictions. Need help placing an account? Connect with a market specialist.

...and garagekeeper exposures) Auto parts sales and installation Car washes ... repair shops, used car dealers, auto parts installers, car washes, mobile rep...

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.

Administration and claims support for selected life insurance coverages including Term Life, AD&D, Dependent Life, Optional or Voluntary Life, Franchise AD&D, and Permanent Life, is also part of our full complement of coverage's supported by our flexible software solutions. Offering comprehensive administration and claims features, our life processing capabilities include solutions for group products, voluntary employee benefits, and selected individual contracts, giving you flexibility and control in the management of your life insurance programs. Administration Capabilities Our consolidated administration system provides you with total support for enrollment, policy/certificate issue, billing, premium collection and accounting, agent commissions, and detailed reporting. Our Life Administration module can be utilized in conjunction with the administration of other coverage types such as health, disability or long term care products, or as a stand-alone package. Advantages offered by Apex Data Systems' high performance software include: Parameter-driven setup routines that enable you to quickly and easily create plans, which can be based on salary, class, or a fixed benefit. Flat and multi-tier online rating established from user-defined tables using elements such as unit, age, gender, and class, plus composite unit, average, and manual alternatives. A dynamic enrollment structure that allows for base and rider coverages with separate inception and termination dates, premium amounts, and payment transaction records. Flexible billing features including individual direct bill, individual list bill (for payroll deduction), and group bill capabilities (list, self, and summary.) Processing allows for covered spouses, and even other family members, to be billed together or separately. Policyholders can be linked and unlinked quickly and easily. Single billing for multiple coverages, or multiple billings, even with different billing modes. Capture of insured, policyowner, and multiple beneficiaries under primary, secondary, and tertiary levels. Calculation of volume by multiple of salary or percent of salary coupled with user-definable no evidence limits, fixed amounts, voluntary amounts, and case-specific classing. Electronic Funds Transfer features that allow for fully automated Pre-Authorized Checking and Credit Card billing and payments. Rating load and discount factors available for substandard and preferred business. Premium Waiver features allowing for premiums to be temporarily or permanently suspended. Claims Capabilities Our consolidated claims software allows for seamless claims eligibility and adjudication. All features of Apex Data Systems' claims management system are available when processing life insurance benefits. Global features such as online eligibility verification, pending and correspondence modules, online adjudication by user-defined plan tables, issuance of payments to multiple beneficiaries, detailed claims history, actuarial and lag studies, premium/claims analyses, and other reports are all part of our complete package. Features highlighted for Term Life, AD&D, Voluntary Life, Dependent Life, an Permanent Life processing include: Ability to receive notice of claim and track production statistics while investigation efforts are underway. A correspondence module that gives you the flexibility to establish user-defined letters and follow-ups plus the interval between mailings and automatic tracking of the status of any requests. Features include the ability to set up ticklers for both in-house and out-of-house activities. Capture of date of death or in the case of AD&D, injury date. Capture of cause of death, ICD diagnostic, claim type, claim status, claim termination, and other pertinent, user-definable codes to help you classify claims activity in a meaningful way, and report on experience. Free-form claim comments for diary or other purposes. User-defined claims plan setup including processing by contracted fixed daily benefit amount, a user defined benefit amount, a calculation of benefit as a percentage of salary, or a fixed benefit from the eligibility record, based on salary, class, or user definition. Provision for tax reductions and application of interest. Split payments to multiple beneficiaries. Reinsurance and year-end reporting for generation of critical output and analyses.

...cilities Aircraft and aviation parts manufacturers Airports and helipa...nufacturers and suppliers of aircraft parts and systems. Airport Liability...

...ores Distributors, importers and parts suppliers Bike rental operations and tour operators Bike parts stores and related retail suppliers ...cturers, importers/distributors, bike parts stores, rental operations and guid...