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.