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Vacant Dwelling Insurance For MD, NC, and VA Agents Insurance Markets, Inc. (AIM) offers a focused vacant dwelling program designed for independent agents who need flexible, admitted coverage for unoccupied homes in Maryland, North Carolina and Virginia. AIM places this business through an admitted paper option with American Modern Home Insurance Group — a carrier rated A+ (Superior) by AM Best — and provides quick quotes, straightforward underwriting and multiple policy-term choices to fit your client's timing. Overview of the Program From Agents Insurance Markets, Inc. This AIM program is built for properties that are temporarily vacant or between tenancies — including homes under renovation or pending sale. You can write standard dwellings of any age with limits up to $500,000 and select 3-, 6- or 12-month policy terms. Liability and optional Vandalism & Malicious Mischief are available. AIM underwrites through American Modern Home Insurance Group and offers admitted placement where available. Ideal Accounts and Appetite Single-family homes that are vacant between tenants or pending closing. Houses undergoing renovation (short-term, supervised remodels). Properties owned by LLCs, trusts or estates. Condominiums and townhomes that will remain unoccupied for a limited period. Preferred risk profile: PC 1–10 occupants prior to vacancy, reasonable maintenance and secured premises. Coverage Highlights and Advantages Choice of 3-, 6- or 12-month vacant dwelling policy terms to match vacancy exposure. Dwelling limits up to $500,000 on standard dwellings of any age. Liability coverage available and optional Vandalism & Malicious Mischief endorsement. Accepts LLCs, trusts and estates as named insureds. Condo and townhome eligibility expands placement options for clients with non-single-family properties. Admitted capacity with an AM Best A+ carrier where state filing allows. No minimum earned premium and automatic renewal to reduce administrative work on short-term risks. Direct bill with optional payment plans to improve client payment flexibility. Underwriting Notes and Minimum Premiums Underwriting focuses on occupancy status, property condition, security and the reason for vacancy (for sale, between tenancies, or under renovation). Ideal risks are routinely maintained, secured and free of significant deferred repairs. AIM accepts entities such as LLCs and trusts; condos and townhomes are eligible. Note that vandalism/malicious mischief is optional and requires specific selection. Because this program is admitted in the available states, state-specific rules apply. AIM offers automatic renewal and direct billing options to simplify servicing short-term vacant exposures. Territories and Availability This program is available for placement in Maryland, North Carolina and Virginia. Availability is subject to state filing and carrier appetite; where an admitted paper is not available AIM can advise alternatives. Confirm eligibility and quoting options with AIM underwriters for risks near state lines or with unique circumstances. Why Work With Agents Insurance Markets, Inc. on Vacant Dwelling Business Specialized vacant dwelling appetite that balances admitted paper and flexible terms. Access to American Modern Home Insurance Group — strong carrier with national experience in dwelling lines. Quick, competitive quotes and tailored term options (3/6/12 months) for temporary exposures. Responsive underwriting for LLC/trust-owned properties, condos and townhomes. Example scenarios that fit this program You have a client selling their single-family home; it will be vacant for 4–8 weeks before closing. A 3- or 6-month vacant policy with vandalism coverage can protect the home during escrow. A landlord is renovating a rental property between tenants. The property is secured, actively supervised by a contractor, and valued under $500,000 — an AIM vacant dwelling term can cover the gap while work is completed. Frequently Asked Questions What types of vacant properties does this program accept?The program accepts standard single-family dwellings, condos and townhomes that are vacant for short periods (between tenants, pending sale, or under renovation). Properties owned by LLCs, trusts and estates are eligible. Which states is this program available in?AIM currently offers this vacant dwelling program in Maryland, North Carolina and Virginia. Availability is subject to carrier filings and local rules, so confirm with AIM for borderline or unusual risks. Is liability coverage included and is vandalism covered?Liability coverage is available with the policy. Vandalism and Malicious Mischief are offered as optional endorsements — include them when the property is unsecured or in higher-risk neighborhoods. What policy terms are offered?You can choose 3-, 6- or 12-month policy terms to match the expected vacancy period. The program supports automatic renewal to reduce mid-term gaps if vacancy extends. Who underwrites the program and what carrier is used?Agents Insurance Markets, Inc. places this program through American Modern Home Insurance Group, an AM Best A+ carrier. AIM acts as the managing general agency and handles quoting and placement. Need help placing an account? Connect with a market specialist.

... required No premium audits, reducing administrative burden for clients an...

Tract Home Builder Program from Novatae Risk Group Novatae Risk Group offers a dedicated Tract Home Builder Program for residential developers and contractors who build multiple single-family homes in planned subdivisions. The program is built to handle the complex liability and coordination exposures that come with multi-home and phased developments, and it provides flexible admitted and non-admitted placement options to fit regional and large-scale builders alike. Ideal Accounts and Appetite This program targets residential tract development projects. Typical accounts we place include: Homebuilders developing multiple single-family units in planned subdivisions General contractors overseeing large residential projects or multiple builders on a single site Developers coordinating phased or long-term tract developments You might have a client building a 50-home subdivision in Texas or a contractor managing a multi-phase project in California — Novatae’s program is structured to accommodate those exposures and timelines. Coverage Highlights and Advantages Traditional Policies (Occurrence Form): $2,500 minimum premium Access to 23 A.M. Best A-VI+ rated carriers Available through both admitted and non-admitted markets Includes CG20101185-equivalent endorsements Offered in most states Per Project Policy: Policy terms extendable from 18 to 36 months or longer Supported by A+ rated carriers Available in most states Wrap Up - CCIPs (Contractor-Controlled Insurance Programs): Backed by over 17 A-VIII or better rated carriers Designed specifically for residential tract developments Limits: $1M/$2M/$2M Deductible: $5,000 Self-Insured Retention (SIR) or higher Minimum Premium: Competitive pricing available Available in all states Wrap-up policies consolidate coverage for all contractors and subcontractors on a project to reduce coverage gaps and disputes. This integrated approach can improve job site safety, simplify loss control and streamline claims handling. Learn more about Wrap Up Coverage. Underwriting Notes and Minimum Premiums Submissions should include detailed project information, construction schedules, and contractor qualifications to secure the most accurate quotations. Traditional occurrence policies start at a $2,500 minimum premium; competitive minimums are available for wrap-up/CCIP structures. Policies can be tailored to match project timelines, phased construction schedules, and the overall risk profile. Territories and Availability Novatae’s Tract Home Builder Program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Both admitted and non-admitted placements are available depending on the state and individual risk characteristics. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group combines deep underwriting expertise with broad carrier access to place complex residential construction risks. We focus on practical, marketable solutions for tract developers and contractors — including occurrence forms, per-project policies, and wrap-up programs backed by highly rated carriers. Our team works with agents to structure coverage that aligns with project schedules and reduces exposure to gaps between contractors and subcontractors. Do you need a Tract Home Builder Quote? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak with an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors and developers involved in residential tract home construction, especially those managing multi-home or phased subdivision projects. Can coverage be customized for different project sizes and durations?Yes. Policies can be tailored per project with terms typically ranging from 18 to 36 months or longer, depending on project scope and client needs. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the state and the risk profile. Are wrap-up policies available nationwide?Yes. Wrap-up CCIP options are available in all states and are backed by highly rated carriers. What is the minimum premium requirement?Minimum premiums start at $2,500 for standard occurrence policies; competitive pricing is available for wrap-up and CCIP placements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Lawyers Insurance: Colonial General Insurance Agency, Inc. offers a Lawyers Insurance program designed for agents and brokers who place professional liability for law firms across the Southwest. Colonial General works with a panel of admitted and non-admitted markets to provide flexible coverage options for new and established firms, solo practitioners, part-time or moonlighting attorneys, and newly admitted lawyers. Our underwriting relationships and loss-prevention resources help you secure market capacity for a broad range of practice sizes and common areas of law. Overview of the Program From Colonial General This Lawyers Insurance program provides access to leading professional liability carriers that understand legal practice exposures. Coverage forms and limits vary by carrier, with common features offered across the panel including disciplinary proceedings coverage, loss-only deductibles, first-dollar defense options, and claim expense outside the limits. Colonial General acts as a Managing General Agency and Excess & Surplus Lines broker, placing accounts in admitted and surplus markets as appropriate. Ideal Accounts and Appetite Solo attorneys and small to mid-sized law firms. Newly formed firms and recently admitted attorneys. Part-time, moonlighting, or of-counsel attorneys needing tailored coverage. General civil practice areas and many specialty practices—subject to underwriting review. Accounts with routine civil litigation, transactional work, family law, real estate, estate planning, and general corporate services often fit well. Firms with extensive regulatory, securities, or large mass-tort exposures may require specific carrier appetite checks. Coverage Highlights and Advantages Limits available up to multi-million dollar levels depending on carrier (panel includes options commonly up to $5M; select markets may offer higher capacity). Disciplinary proceedings coverage to help manage regulatory exposures. Loss-only deductible structures and First Dollar Defense options. Claims Expense Outside the limits available on many programs. Loss prevention programs and resources to help reduce claim frequency and severity. Underwriting Notes and Submission Tips Underwriters evaluate practice area mix, attorney headcount, revenue, claims and disciplinary history, and risk management practices. To accelerate review, include: Current application and firm roster with dates admitted to the bar; Five-year loss run or claims history; Description of high-exposure matters (if any) and any risk management practices; Details on moonlighting/part-time arrangements where applicable. Limits, deductibles, and specific coverage endorsements depend on carrier availability. Colonial General can quote admitted or non-admitted options where available; confirm state placement requirements when writing surplus lines. Territories and Availability Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available depending on state and carrier; when admitted capacity is limited, E&S placement is used to secure broader coverage options. Why Work With Colonial General on Lawyers Insurance Deep regional experience—Colonial General insures thousands of law firms in the Southwest and has established carrier relationships that understand legal exposures. Flexible placement—ability to access both admitted and excess & surplus markets to match client needs. Loss control support—programs and resources to help reduce the likelihood and cost of claims. Responsive underwriting—specialized underwriting for new, part-time, and newly admitted attorney accounts. Example accounts that fit this program A three-attorney real estate and estate planning firm with clean loss history seeking $1M/$1M limits and disciplinary proceedings coverage. A newly formed solo practitioner recently admitted to the bar who moonlights part-time and needs a tailored policy with a lower-dollar deductible and access to loss prevention resources. Frequently Asked Questions What types of law firms are a good fit for Colonial General’s Lawyers Insurance program?Small to mid-sized firms, solo practitioners, newly formed firms, part-time attorneys, and newly admitted lawyers are core targets. Firms practicing routine civil litigation, real estate, family law, estate planning, and general transactional work typically fit well—subject to underwriting review. Are admitted policies available or is coverage only placed as surplus lines?Colonial General places business in both admitted and surplus markets where available. Some carriers on the panel write admitted paper in specific states; when admitted capacity isn’t available, excess & surplus placement is used. What coverage features and limits can I expect to offer clients?Common features include disciplinary proceedings coverage, loss-only deductible options, First Dollar Defense, and claims expense outside the limits. Limits vary by carrier and account, commonly up to $5M, with select markets offering higher capacity. What submission information helps get a faster decision?Provide a completed application, firm roster with bar admission dates, five-year loss runs, and a summary of any high-exposure matters. Clear information on part-time or moonlighting arrangements helps underwriters assess risk quickly. Which states does this program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted vs. surplus markets varies by state and carrier. Need help placing an account? Connect with a market specialist.

Janitorial and cleaning businesses face unique and elevated risks due to the nature of their off-site operations. Employees often travel to multiple job locations, increasing exposure to injuries, illnesses, and liability claims. For agents working with janitorial clients who are ineligible for standard workers' compensation markets, Novatae Risk Group offers a tailored Non-Standard Workers Comp Insurance program designed to meet the specific needs of this challenging class. This program is an excellent solution for cleaning and janitorial companies that have been declined, non-renewed, or priced out of the standard market. With flexible underwriting and access to multiple carriers across all available markets, Novatae helps agents place tough accounts while delivering real value to clients. Program Highlights: “Pay-As-You-Go” Non-Standard Workers Comp with reduced costs No premium deposit required No premium audits Significant cash flow advantages Loss control and risk management support Fair and aggressive claims management HR services including unemployment claims, garnishments, COBRA, and more Full payroll services with tax remittance, 941s, and W-2s Client option to process payroll in-house ASO (Administrative Services Only) and PEO (Professional Employer Organization) options High retention product—continues until cancelled Ideal Accounts and Submission Appetite: Accounts exiting a state fund or assigned risk pool Accounts non-renewed or cancelled due to high exposure or loss history Accounts with X-Mods between 1.3 and 3.0 New ventures or operations with no prior coverage but in tough classes Accounts with lapses in coverage and adverse loss experience Businesses with manual rates of $8 to $50 or more and other risk factors You might have a janitorial client with a lapse in coverage and a history of claims exceeding $20,000. Or, perhaps you’re working with a new cleaning business struggling to find coverage due to interstate exposure or classification issues. These are the types of accounts this program is purpose-built to serve. Not a Fit For: Accounts that qualify for standard market workers comp Accounts just shopping for a better rate Accounts with credit X-Mods and little to no loss history Accounts not meeting any of the eligibility criteria Submission Requirements: Completed Acord 130 Class-specific supplemental application (available on the program page) Three years of loss history Loss history affidavit for accounts with lapse or no prior coverage Explanation for claims exceeding $20,000 Experience Mod worksheet Territories and Market Access: This program is available in all 50 states plus Washington, D.C. Admitted and non-admitted options are available depending on the state and carrier. Novatae Risk Group works with a variety of markets to place the right fit for your client. Why Work With Novatae Risk Group? As a Managing General Underwriter and E&S Broker with deep expertise in hard-to-place workers comp risks, Novatae provides agents with a reliable partner for tough janitorial accounts. From responsive underwriting to full-service HR and payroll capabilities, Novatae is committed to helping agents deliver value, efficiency, and client satisfaction. Need a Non-Standard Workers Comp Quote for a Janitorial Account? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for janitorial and cleaning companies with high X-Mods, lapses in coverage, prior cancellations, or tough classification issues that make them ineligible for standard workers comp markets. Is this a PEO-only program?No. Novatae offers both PEO and ASO (Administrative Services Only) options, along with payroll services. Clients can also choose to cut checks in-house if preferred. Are new ventures eligible for coverage?Yes, new janitorial businesses with no prior coverage can be considered, especially if they face tough underwriting criteria or operate across state lines. What documentation is needed to get a quote?Submissions require an Acord 130, a class-specific supplemental application, three years of loss history (or affidavit if not available), explanation of large claims, and an Experience Mod sheet. In which states is this program available?This program is available in all U.S. states and Washington, D.C., with access to both admitted and non-admitted markets depending on the state. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency: Personal Trainer Insurance Program Colonial General Insurance Agency, Inc. offers a targeted Personal Trainer Insurance program designed for agents placing coverage for independent trainers, small studios, and fitness clubs. As a managing general agency and excess & surplus lines broker, Colonial General provides flexible property and liability solutions — including monoline and package options — with admitted placements available in some markets and non-admitted/E&S capacity where needed. Ideal accounts and appetite Independent personal trainers and instructors working in studios, gyms, or clients' homes Small to medium-sized fitness facilities: aerobic studios, weight lifting gyms, dance studios, and boutique exercise clubs Related professionals such as sports masseuses, physical therapists (where permitted), and studios that provide on-premises childcare for members Less appetite for large multi-location fitness chains, significant spectator events, or high-risk specialty training operations without prior submission Coverage highlights and advantages This program bundles important protections tailored to fitness professionals and facilities: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate Excess / Umbrella limits available up to $25,000,000 Included coverages: Medical Payments ($5,000), Blanket Additional Insured endorsement, club members listed as additional insureds, and an Errors & Omissions coverage part (policy limits) Sexual and Physical Abuse coverage — $25,000 per claim / $50,000 aggregate (higher optional limits available) Optional extensions often available: Liquor Liability, Hired & Non-Owned Auto No deductible required on the standard liability form; loss prevention brochure and risk-control guidance available to insureds Property and ancillary coverages Property forms may be written on basic, broad, or special causes of loss and can include: Building, Contents, Equipment Breakdown, Computer Equipment Business Income, Accounts Receivable, Valuable Papers, Inland Marine, Outside Signs Replacement Cost or Actual Cash Value settlement options; Food Spoilage and other niche endorsements available Crime coverage Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Underwriting notes and submissions When submitting, include current operations details, training formats (one-on-one, small group, virtual), any childcare services offered on premises, and loss history. The program evaluates exposures such as client contact, equipment use, and allegations of professional negligence or abuse. Colonial General can consider both monoline liability and package property/liability submissions; higher limits, E&O, and sexual abuse coverages are available on request. Territories and licensing Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available where carriers are licensed; other placements may be on a non-admitted/E&S basis depending on state and account characteristics. Carriers vary by risk and market conditions. Why place this business with Colonial General MGA and E&S brokerage expertise focused on fitness and wellness classes of business Access to multiple carriers and limit options up to large umbrella capacity Policy forms tailored for trainers and small fitness operations with bundled E&O and abuse coverage options Dedicated underwriting and loss-control materials to help reduce exposures and support renewals Example accounts that fit well - A lone personal trainer who provides 1:1 and small group sessions out of a rented studio and needs combined general liability and professional liability limits with optional hired/non-owned auto. - A boutique aerobic studio with on-site childcare and a small retail area seeking a package policy including contents, business income, and liability with abuse coverage. Frequently Asked Questions What types of personal trainer operations are a good fit for this program?Independent trainers, boutique studios, aerobic and dance studios, small gyms, and related professionals (massage therapists, physical therapists where permitted) are good fits. The program favors operations with documented safety procedures and limited high-risk activities. Are professional liability (E&O) and sexual abuse coverages included?Yes. The program includes an Errors & Omissions part at policy limits and Sexual & Physical Abuse coverage at $25,000 per claim / $50,000 aggregate, with higher optional limits available upon request. Can I place accounts with clients who provide childcare while members train?Yes. Childcare for club members while on premises is included as part of the program, but full details and any underwriting requirements should be submitted with the application to confirm eligibility. Which states and admission statuses are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted placements; other risks may require non-admitted or E&S placement depending on the state and account specifics. Need help placing an account? Connect with a market specialist.

...o a single, coordinated policy — reducing coverage gaps, minimizing conflicts ...

Overview — Colonial General Insurance Agency, Inc. Tree Trimmers Insurance Colonial General Insurance Agency, Inc. offers a specialized Tree Trimmers Insurance program designed for agents placing tree care and arborist risks. This program provides both property and liability solutions on a mono-line or packaged basis for insureds whose primary operations are planting, transplanting, pruning, fertilizing, applying pesticides/herbicides, bracing, and removing trees. It is not intended for logging, lumbering, or large-scale land-clearing operations. Policy Highlights The program combines flexible property options with robust commercial general liability and ancillary coverages tailored to tree care contractors. Coverages are available through admitted markets in select states and non-admitted/Excess & Surplus (E&S) placements where required. Ideal Accounts and Appetite Independent tree trimming and pruning contractors serving residential and commercial customers Arborists who provide transplanting, fertilization, bracing, cabling, and tree removal services Companies that apply pesticides/herbicides as part of tree care (pesticide applicator coverage available) Operations that own and use contractor’s equipment, bucket trucks, and specialty tools The program typically favors small- to mid-sized operations with standard tree care exposures. Risks primarily involved in logging, sawmill operations, or heavy land clearing are outside the appetite. Coverage Highlights and Advantages Property coverages: Building, Contents, Accounts Receivable, Business Income, Computer Equipment, Contractor’s Equipment, Outside Signs, Valuable Papers; options for Basic, Broad, or Special forms and Replacement Cost or Actual Cash Value settlement. Equipment Breakdown: Optional coverage for mechanical and electrical breakdown of covered equipment. Commercial General Liability: Primary limits available up to $3,000,000 occurrence/aggregate with Additional Insured options (blanket additional insured available) and Excess/Umbrella limits up to $25,000,000. Pollution and pesticide exposures: Pesticide/Herbicide Applicator Coverage included to policy limits; In-Transit Pollution Coverage typically $25,000 per occurrence / $100,000 aggregate. Care, custody & control: Property Damage Extension for customer property (examples: care/custody/control) with typical limits of $5,000/$25,000 and the option for higher limits. Errors & Omissions: E&O coverage part available to address professional exposures tied to arboricultural advice and services. Loss control: Loss prevention brochure and underwriting guidance available to help reduce frequency and severity of claims. Underwriting Notes and Minimums Underwriters will evaluate operations, payroll, revenue, equipment values, pesticide application practices, and loss history. Minimum deductibles and underwriting requirements apply; a $1,000 minimum deductible is commonly required. Limits, terms, and availability may vary by state and carrier. Common declines or referrals: logging/lumbering operations, large tree removal on development/clearing projects, and accounts with repeated severe liability/property losses without demonstrable loss-control improvement. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places business in both admitted and non-admitted markets depending on state and risk characteristics — some admitted markets are available while E&S solutions are provided where needed. Why Place This Business with Colonial General Insurance Agency, Inc. As a Managing General Agency and E&S broker, Colonial General offers focused underwriting for tree care contractors, flexible limits, packaged options, and access to multiple carriers (varies by state). Agents benefit from specialized underwriting that understands arborist operations, available E&O and pesticide applicator coverages, and loss control resources to help improve renewability and terms. You can use this program when you have clients that need contractor’s equipment protection, pesticide applicator limits, or higher umbrella limits tied to tree operations and who do not fit standard admitted markets. Example Accounts Small residential tree service with three crews that prune and remove trees, owns two bucket trucks and assorted equipment — seeking general liability, equipment coverage, and business income protection. Mid-size arborist firm that provides pesticide treatments and offers consulting/inspections — needs liability with pesticide applicator coverage and an E&O limit for professional exposure. Frequently Asked Questions What types of tree service businesses are a good fit for this program?This program targets tree care and arborist contractors whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and routine tree removal. It is best for small- to mid-sized residential and commercial tree service firms, not logging or lumbering operations. Are pesticide and herbicide exposures covered?Yes. Pesticide/Herbicide Applicator Coverage is available and typically provided to policy limits. Underwriting will review application practices, licensing, and any required state certifications. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with Excess/Umbrella limits up to $25,000,000 depending on carrier capacity and risk characteristics. Is equipment coverage available for specialized contractor tools and vehicles?Yes. Contractor’s Equipment coverage is part of the property package. Equipment breakdown, replacement cost options, and in-transit coverage are also available depending on the submitted values and schedule. Need help placing an account? Connect with a market specialist.

...sures and management liability — reducing form gaps common with standard comme...

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.