All Lines Aggregate
Custom Public Entity Programs for Every One-Of-A-Kind Risk
RPS Signature Programs is uniquely positioned to help Public Entities effectively manage today’s cost of risk and unlock significant long-term savings. We accomplish this with our innovative All Lines Aggregate program that blends risk retention, risk transfer, and customized claims management within one framework.
Our experience in providing municipalities, schools, states, and others with exclusive package facilities with A-rated or better carriers spans more than 40 years. We understand the unique risks Public Entities face – from terrorist threats to civil rights exposures; to employment practices and data breaches; to budget limitations; and the scrutiny of public officials, educators, and executives in a variety of complicated and frequently highly charged situations. We provide the broad coverage, underwriting expertise, and risk management resources needed to address these exposures.
RPS Signature Programs’ in-house underwriting capability will provide you with quick turnaround – critical in writing new accounts and client retention. We also provide an extensive list of pre-approved third-party administrators (TPAs) to facilitate the control and management of claims for your insureds. Each TPA’s flexible, cost-effective products are tailored to satisfy specific client needs. Their prompt, responsive services are aimed at achieving early claims resolution while maximizing savings on expenses and loss payout.
**And**
Excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, counties, housing authorities, special districts, utility authorities, public K-12, and colleges/universities.
Coverages
- All Lines Aggregate package limits available up to $10,000,000
- Clash coverage for multi-line losses
- All lines loss fund including Workers’ Compensation
- Client control of the claims process
- Coverage provided as Insurance or Reinsurance to the client’s policy
- Sexual Abuse and Sexual Harassment
Target
Larger public entities that have a self-insured retention of greater than $50,000 or entities that are seeking to go self-insured.
Limits
- Limits for all casualty lines are available for up to $10,000,000.
- Higher casualty limits are available from our excess carrier partners.
- Limits to $1,000,000 with options for excess property.
- Self-insured workers compensation buffer limits available for up to $250,000 with additional options for statutory excess WC coverage.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. RPS Signature Programs brings proven expertise to the Public Entity sector, providing a large variety of placements including Primary, and Excess Liability for accounts of all sizes, whether a first-dollar program or innovative alternative risk placement.
Contact
bob_lombard@rpsins.com
URL: https://rpsins.com/programs/signature-programs/community/all-lines-aggregate/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
First-Dollar Public Entity (under 75,000 population)
The Signature Insurance Program for Public Entity
This new program expands upon our existing carrier relationships to now offer a first dollar, low deductible insurance product for public entities, water districts and special districts.
The packaged insurance program includes specialized coverages such as general liability, auto liability, physical damage, crime and excess liability, property, law enforcement, public officials and employment practices liability; that can be supplemented by active shooter liability, special events, and cyber liability.
Coverages
- Property
- General liability
- Public officials and management liability
- Inland marine
- Law enforcement liability
- Crime
- Auto liability and physical damage
- Excess liability
Key Coverage Features
- Pay on behalf
- Duty to defend
- Defense costs outside limit
- Broad named insured
- Failure to supply (except gas and electric)
- EPLI
- Drone liability
Target
Smaller municipalities with populations of less than 75,000. Special districts and water, sewer and sanitation districts.
Limits
- Property - $50,000,000 any one location
- Equipment Breakdown - $100,000,000 per location
- Auto Liability - $1,000,000
- General Liability - $1,000,000/$3,000,000
- Public Officials Liability - $1,000,000/$3,000,000
- Crime - $500,000
- Excess - $4,000,000/$4,000,000 (higher limits available outside of the program)
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. Excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, special districts, and utility authorities.
Contact
Bob_Lombard@rpsins.com
URL: https://rpsins.com/programs/signature-programs/community/first-dollar-public-entity-under-75-000-population/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Large Public Entity (above 75,000 population)
Your Specialty, is Our Signature
RPS Signature Programs’ experience in providing municipalities, schools, states, and others with exclusive package facilities with A-rated or better carriers spans more than 40 years. We understand the unique risks Public Entities face – from terrorist threats to civil rights exposures; to employment practices and data breaches; to budget limitations; and the scrutiny of public officials, educators, and executives in a variety of complicated and frequently highly charged situations. We provide the broad coverage, underwriting expertise, and risk management resources needed to address these exposures.
RPS Signature Programs’ in-house underwriting capability will provide you with quick turnaround – critical in writing new accounts and client retention.
RPS Signature Programs brings proven expertise to the Public Entity sector, providing a large variety of placements including Primary, and Excess Liability for accounts of all sizes, whether a first-dollar program or innovative alternative risk placement.
Excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, special districts, and utility authorities.
Coverages
- Property
- General liability
- Auto liability
- Physical damage
- Public officials liability
- Law enforcement liability
- Excess liability
- Excess workers’ compensation
Target
Larger municipalities with populations of over 75,000.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. RPS Signature Programs brings proven expertise to the Public Entity sector, providing a large variety of placements including Primary, and Excess Liability for accounts of all sizes, whether a first-dollar program or innovative alternative risk placement.
Contact
Bob_Lombard@rpsins.com
URL: https://rpsins.com/programs/signature-programs/community/large-public-entity-above-75-000-population/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Real Estate Agents & Brokers Errors and Omissions (E&O)
Getting it done. Moving at the speed of bold. Coverage that protects and keeps your client's business on track. As the only broker with the prized pen for GenStar, a leading carrier for errors and omissions (E&O) insurance, we specialize in responsiveness and helping you be a hero by writing comprehensive coverage for your clients, fast.
Real Estate Industry Experts Who Exceed Expectations
We love a challenge. RPS Signature Programs' team of industry experts can take on the most complex client needs. Be it a multiunit apartment complex or a single home sale. Our exclusive programs give you access to the best markets and solutions, specially designed for the real estate industry and its coverage challenges. We deliver specialized coverage for niche risks, including the unique professional liability insurance needs of agents, brokers, wholesalers, retailers, underwriting managers, surplus lines agents and more.
Agents & Brokers Errors and Omissions Coverage Options
From comprehensive coverage for both residential and commercial real estate agents and brokers to full service support for appraisal firms, we get you coverage for the full scope of your client's real estate business. Our coverage options include:
- Agent-owned property coverage
- Bodily injury and property damage for open house and lock box, to full policy limits
- Deductible reduction incentive for early claims resolution
- Environmental hazards to full policy limits
- Fair housing/discrimination coverage
- Innocent insured coverage
- Pre-claims assistance
- Premium credits for favorable risk management practices and claims experience
- Professional Liability Insurance designed for real estate agents and brokers
- Risk management resources and legal hotline
Agents & Brokers Errors and Omissions Coverage Limits
We offer access to a full suite of E&O coverage limits, so you can help your clients get the protection they need.
- Limit options range from $300,000/$600,000 to $2 million/$2 million
- Drone photography coverage has $25,000 sub-limit
- Fraudulent funds transfer coverage has $25,000 sub-limit
- Fair housing/discrimination coverage has $250,000 sub-limit
- Nonprofit Directors and Officers (D&O) coverage has $15,000/$30,000 sub-limits
- Supplementary
- $25,000/$50,000 limit for each
- Reimbursement of expenses for board proceedings defense includes $3,000 per claim/$30,000 aggregated
- Subpoena expenses are $5,000 per event
- Electronic information damage up to $2,500
- Professional reputation protection up to $2,500
- Loss of earnings up to $50,000 per policy
Contact
Adrienne Woodhull 908-685-7103 Adrienne_Woodhull@rpsins.com
Rental Equipment
Custom Rental Equipment Programs for Every One-Of-A-Kind Risk
With a 30-year focus on Rental Equipment Insurance, we thoroughly understand the nuances of your client’s business. Since we speak their language: Aerial reach, inflatable’s, construction equipment, boom lifts, scissor lifts, tents, etc. - we can tie that knowledge to insurance coverage that provides real solutions for their business.
Rental Equipment Dealers Program Highlights
- Serving contractor
- Homeowner
- Tool
- Tent, party and general rental companies
The Signature Programs Rental Equipment and Party Goods facility has hundreds of insureds across the nation.
Coverages
Unique coverage options that truly meet your client’s needs. Uncommon insights concerning liability issues that impact your client’s bottom line. Unparalleled service from a dedicated staff who have years of experience working with businesses like your client’s. That’s what you get from the professional rental equipment & party goods team at Signature Programs.
- Admitted A.M. Best Rated Carriers
- Directly Billed by Carrier with Flexible Installment Schedules
- Nationwide Coverage in All 50 States
- Coverage Forms with Industry Specific Enhancements
- Lines of Coverage Offered:
- General Liability
- Automobile
- Workers’ Compensation
- Excess Liability
- Property & Inland Marine / Contractors’ Equipment
- Anything out of scope may receive underwriting consideration with specific details on the exposures and appropriate risk control measures
Subject to actual written proposal. Other optional coverages available.
Target
Rental operations focused on rentals to homeowner/small contractors.
Equipment Covered Includes:
- Hand/Power Tools
- Outdoor Power Equipment
- Lighter Construction Equipment
- Recreational / Party Equipment
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Rikki_Concannon@rpsins.com
URL: https://rpsins.com/programs/signature-programs/construction/rental-equipment/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Crane & Rigging
The Signature Insurance Program for Crane & Rigging
RPS Signature Programs Multi-Line crane program can serve crane rental companies nationwide, with or without operators.
- Hundreds of insureds nationwide
- Designed specifically for the crane industry and its complex coverage needs
- Exclusively packaged program provided through an A.M. Best ‘A- Excellent’ rated carrier
- Based on more than 30 years of experience within the crane industry
- Eliminates any claims confusion due to multiple insurance carriers
Our crane-specific insurance offering takes a streamlined, Multi-Line approach and includes:
- General Liability
- Rigger’s Liability
- Excess
- Workers’ Comp
- Auto
- Inland Marine
- Crime
Coverages
Specialized coverage options that truly meet your client’s needs. Uncommon insights concerning liability issues that impact your client’s bottom line. Unparalleled service from a dedicated staff who have years of experience working with businesses like your client’s. That’s what you get from the professional crane team at RPS Signature Programs.
General Liability
- $2,000,000 general aggregate
- $1,000,000 per occurrence
- $2,000,000 products and completed operations
- $1,000,000 personal and advertising
- 2mm/4mm/4mm limits available
- Occurrence form
- Various deductible options
- Riggers Liability including Loss of Use
- Over-the-road liability coverage for mobile equipment
- Employee Benefits of $1,000,000
- Proprietary CGL form
Property and Equipment
- “Manuscript” coverage tailored to cover equipment rented to third parties
- Replacement cost valuation for equipment under 10 years old
- Riggers coverage available with optimal consequential loss coverage
- Specialty coverage including: Boom overload, Loss of income and extra expense, Loss of rents, Equipment in your care, custody and control, and Attachments coverage
- Flood and earthquake available in most states
Auto Liability and Physical Damage
- Employees as Insureds
- Hired Car Physical Damage
- Blanket Additional Insured
- Expanded towing coverage and expanded transportation expenses
- Rental Reimbursement
- Personal Effects
- Accident Airbag Deployment
- New vehicle replacement cost
- Preferential pricing for qualified accounts
- Fleet and loss experience discounts
Workers’ Compensation/Employer’s Liability
- Ability to issue certificates of insurance online anytime
- Superior claims handling service
- Blanket waiver of subrogation available
Excess/Umbrella Liability
- $1,000,000 to $5,000,000 coverage limits with higher limits available
Target
- Crane Rental with Operator
- Bare Crane Rental
- Rigging Millwright
- Specialized Transportation
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Rikki_Concannon@rpsins.com
URL: https://rpsins.com/programs/signature-programs/construction/crane-rigging/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Scaffolding & Access
The Signature Insurance Program for Scaffolding & Access
As experienced underwriting managers for the scaffold industry nationwide, we thoroughly understand the nuances of your client’s business and can speak their language. We have tied that knowledge to a Multi-Line insurance program that provides real solutions for their business.
- Hundreds of insureds nationwide
- Designed specifically for the scaffold & construction access industry and its complex coverage needs
- Exclusively packaged program provided through an A.M. Best ‘A- Excellent’ rated carrier
- Based on more than 30 years of experience within the scaffold & construction access industry
- Eliminates any claims confusion due to multiple insurance carriers
Our scaffold-specific insurance offering takes a simple, multi-line approach, and includes:
- General Liability
- Workers’ Comp
- Property
- Excess
- Auto
- Inland Marine
- Crime
Coverages
Industry-specific coverage options that truly meet your client’s needs. Uncommon insights concerning liability issues that impact your client’s bottom line. Unparalleled service from a dedicated staff who have years of experience working with businesses like your client’s. That’s what you get from the professional scaffold team at RPS Signature Programs.
General Liability
- $2,000,000 general aggregate
- $1,000,000 per occurrence
- $2,000,000 products and completed operations
- $1,000,000 personal and advertising
- 2mm/4mm/4mm limits available
- Occurrence form
- Defense outside limits
- Blanket waiver of subrogation available
- Primary and noncontributory available
- Various deductible options
- Per project aggregate available
Property and Equipment
- “Manuscript” coverage tailored to cover equipment rented to third parties
- Blanket values vs. specific limits by location and type of property
- Replacement cost valuation
- Agreed amount endorsement (no coinsurance penalty)
- Specialty coverage including loss of income and extra expense, job site, in-transit and unnamed locations, equipment in your care, custody and control
- Flood and earthquake available in most states
Auto Liability and Physical Damage
- Preferential pricing for qualified accounts
- Fleet and loss experience discounts
Workers’ Compensation/Employer’s Liability
- Available in most states
- Dividend plans available in some states
Excess/Umbrella Liability
- $1,000,000 – $5,000,000 coverage limits with higher limits available
*Subject to actual written proposal. Other optional coverages available.
Target
- Scaffolding & Construction Access industry contractors who utilize Supported Scaffold
- Construction Hoists
- Construction Elevators
- Mast Climbers
- Swing Staging
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Rikki_Concannon@rpsins.com
URL: https://rpsins.com/programs/signature-programs/construction/scaffolding-access/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Lawyers Professional Liability
Indemnification Coverage and Claims Expense Coverage for Attorneys
Attorneys face a number of errors & omissions claims – from administrative errors to allegations of abandoning representation to failing to address the client's needs in any way. In fact, the American Bar Association (ABA) estimates that attorneys will have at least three legal malpractice claims brought against them in the course of their careers.
The RPS Signature Programs Lawyers Professional Liability (LPL) insurance program is designed to provide coverage for claims that arise from "wrongful acts" committed in the rendering of legal services in the lawyer's capacity and generally provides both indemnification coverage and claims expense coverage.
The program is available in all states except AK.
Lawyers Professional Liability Coverage Highlights
- Claims-made and reported
- Broad definition of professional services
- Fifty percent reduction for agreement to use mediation and the claim is settled at mediation (up to $25,000)
- Per claim and aggregate deductible options
- Relaxed consent to settle clause 50/50
- Automatic 30-day ERP extension
- Claims cost in addition to limit
- First dollar defense
- Annual aggregate deductible
- Supplementary payments in addition to limit with zero deductible
- Automatic coverage for independent contractors
- ERP option 1 to unlimited years
- Pre-claim hotline
Lawyers Professional Liability Coverage Limits
Professional Liability Insurance Designed for Lawyers
The Lawyers Professional Liability insurance program is ideal for:
- Firms comprised of 1 to 50 attorneys that have demonstrated good claims experience over prior five years and strong controls and procedures.
We do not write sole practitioners, firms whose AOPs include oil/gas/mining, real estate development/syndication, securities, tax shelters, water loss or risks with poor claims experience.
How the Lawyers Professional Liability Program Can Help Your Clients
RPS Signature Programs' team of industry experts can take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks, including the unique professional liability insurance needs of attorneys.
Contact
Adrienne Woodhull 908-685-7103 Adrienne_Woodhull@rpsins.com
URL: https://rpsins.com/programs/signature-programs/professional/lawyers-professional-liability/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Title and Escrow Professional Liability
The Signature Insurance Program for Title and Escrow
The RPS Signature Programs Title Agents Professional Liability product offers vital coverage for title insurance agents, title abstractors, closing agents, escrow agents, and notary publics.
Coverages
- Claims-made and reported
- Automatic 60-day ERP extensions
- Optional ERP up to 6 years
- First dollar defense
- Limits up to $5,000,000 available
- Duty to defend language
- Insured has input in selecting defense counsel
- Early claim resolution incentive
- Defense of disciplinary actions $25,000 (outside policy limit)
- Loss of earnings and reimbursement of claim expenses $500 day/$7,500 per claim
- Claim includes personal injury in addition to the performance of professional services
- $7,500 for subpoena expenses included (sub-limit, outside policy limit)
- $150,000 CFPB coverage sub-limit
- $100,000 theft of funds sub-limit
- Defense expenses in addition to the limit for damages
- Death or disability ERP
- Data breach coverage endorsement up to $100,000 available (First and Third party coverage)
- Extended claim reporting – loyalty discount
- Remote Notarization coverage
Available nationwide with the exception of AK and HI. Coverage is admitted in all states except KS, LA, NH, NM, NY, RI, SD, VT, and WY.
Target
Small to medium size agencies up to $10,000,000 in revenue
Limits
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Adrienne_Woodhull@rpsins.com
URL: https://rpsins.com/programs/signature-programs/professional/title-and-escrow-professional-liability/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Amateur Sports
The Signature Insurance Program for Amateur Sports Organizations and Facilities
RPS Signature Programs’ amateur sports insurance specialists are proven leaders in insuring sports and athletic organizations, amateur sports teams & leagues, parks & recreation departments, youth & adult activities, sports camps & clinics, national & statewide sports associations. RPS Signature Programs amateur sports products are comprehensive and customizable, offering specialized coverage.
Coverages
- General Liability including Participant Legal Liability
- Abuse/Molestation Liability
- Blanket Additional Insured
- Hired and Non-Owned Auto
- Excess Liability
- Directors & Officers (D&O) / Employment Practices Liability Insurance (EPLI)
- Crime
- Property
- Equipment Insurance
- Sports Accident
Target
- Amateur sports (non-scholastic) organizations
- Leagues and Teams
- Sports facilities
- Sports camps
- Tournaments and Events
- Booster clubs
- Coaches and Sports officials associations
- Indoor sports facilities
- Recreation departments and more
Limits
- GL: $1,000,000 Occurrence/$3,000,000 Aggregate
- Abuse/Molestation: $1,000,0000 Separate Limit
- Accident: Up to $250,000 Per Injury
- D&O/EPLI: Up to $2,000,000
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Will_Krouslis@rpsins.com
URL: https://rpsins.com/programs/signature-programs/sports/amateur-sports/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Bicycle & Ski
The Signature Insurance Program for Bicycle & Ski
Bicycle Retailers and Manufacturers require insurance tailored to their needs, as they are at greater risk for theft and product liability claims. RPS Signature Programs offers a national insurance product specifically designed by the Bicycle/Electric Bicycle/Ski industry.
Coverage
- Highlights include Special Extensions of Property (ie: Property Off Premises, Property In Transit, Property of Others, etc)
- Bicycle/Electric Bicycle/Ski Fraud
- General Liability including products liability
- Non-owned/Hired Auto Liability
- Vendors Liability
- Crime
Target
- Independent bicycle/electric bicycle/ski dealers and rental operators
- Bicycle/electric bicycle tour operators
- Non-motorized waterborne equipment dealers and rental operators
- Manufacturers/distributors/importers of bicycles/electric bicycles/bicycle components and related accessories (i.e.: clothing, shoes, bags, racks, etc.)
Limits
- $1,000,000 occurrence/$2,000,000 aggregate with options for $2,000,000 occurrence/$2,000,000 aggregate
- $1,000,000 or $2,000,000 excess liability
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Lisa_Fulmer@rpsins.com
URL: https://rpsins.com/programs/signature-programs/sports/bicycle-ski/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Golf & Country Club
Your Specialty is Our Signature, Golf & Country Club
RPS Signature Programs’ nationwide Club Program protects private golf & country clubs, semi-private and daily fee courses, private tennis clubs, golf management companies, homeowners’ associations in gated, year-round communities, city clubs, dining clubs, and golf associations on the national, regional and state levels.
RPS Signature Programs has over 35 years of underwriting experience in this market segment, with the knowledge and expertise to offer comprehensive coverage specifically designed for the unique exposures associated with the Golf and Club industry. In addition to underwriting, RPS Signature Programs also services, markets, facilitates claims and provides risk management services.
RPS Signature Programs is a Program Administrator that underwrites and markets specialty insurance products on a nationwide basis. This program is underwritten through carriers all rated "A" Excellent by AM Best Co.
We accept business for these exclusive programs through any independent insurance broker or agent. Our knowledge and expertise allow us to offer comprehensive coverage that is specifically designed to address the unique exposures associated within the Golf and Club industry.
Coverages
- Accident & Health
- Auto
- Casualty
- Crime
- Directors & Officers (not-for-profit/for profit)
- Earthquake & Flood
- Employee Benefits Liability
- Employment Practices Liability
- Fiduciary Liability
- Inland Marine
- Liquor Liability
- Pesticide/Herbicide Applicators Liability
- Pollution Liability for above ground tanks
- Limited Pollution Liability (including off-site clean-up)
- Property
- Umbrella
- Workers’ Compensation
Target
- Private Golf & Country Clubs
- Semi-Private Clubs
- Golf Course Management Companies
- Golf Communities and HOAs
- National, State and Local Golf Associations
- Private Tennis Clubs
- City Clubs
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Peter_Small@rpsins.com
URL: https://rpsins.com/programs/signature-programs/sports/golf-country-club/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Health & Fitness
Your Specialty is Our Signature
We provide a comprehensive menu of insurance plans designed for health & fitness clubs, tennis and racquet clubs, sports facilities, sports complexes, and training centers, which can also extend to daycare and restaurant operations included within your facility. The program is written through Admitted “A” rated carriers, or better, and can provide coverage on all lines of business necessary.
Coverages
Property
- Building and personal property coverage (blanket basis available)
- Coverage for fences, outdoor signs (attached or separate), tennis courts, etc
- Personal effects and property of others
- Systems Breakdown coverage
Liability
- Rated on a ‘active member’ basis
- Non-auditable
- Professional Liability is extended to cover the certified professionals such as fitness and aerobics instructors, tennis instructors, etc
- Liquor Liability
- Sexual abuse and molestation coverage
Crime
- Money and securities inside/outside the premises
- Depositor forgery
- Employee dishonesty
Business Income
- Business income and extra expense coverage
- Actual loss sustained coverage is available
- No waiting period or deductible (available on request)
Workers’ Compensation
- Available in all states
- Competitive rates and credits available on well-performing risks
- Extensive loss control tools are available
Target
- Health & fitness clubs
- Tennis and Racquet clubs
- Sports facilities
- Sports complexes
- Training centers, which can also extend to daycare and restaurant operations included within your facility.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. For more information regarding this program, please click here. Quote turnaround times vary however, we can accommodate short timeframes if needed.
URL: https://rpsins.com/programs/signature-programs/sports/health-fitness/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Resident Camps & Day Camps
The Signature Insurance Program for Resident Camps & Day Camps
RPS Signature Programs has a long history specializing in Camp, Conference, and Retreat Center Insurance. We understand their unique insurance and risk management needs as well as the insurance issues of all kinds of experiential education and adventure travel programs.
Our camp program leader has over 35 years of experience working with camps nationally and internationally - managing risk, finding, and creating cost-effective insurance solutions. Our customers benefit from our staff experience as brokers, underwriters, and underwriting managers. We are market makers and problem solvers; just the kind of resources your organization needs.
We work with private, non-profit, and religiously affiliated camps across the country. Customers of RPS Signature Program’s Camp Insurance Program benefit from our decades of experience, our relationships with insurers, and the skill and knowledge of our staff. We invite you to contact us today to learn more about how our expertise can benefit your business.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. RPS Signature Programs is a program division of Risk Placement Services, Inc., the largest managing general agency in the U.S. As a result RPS Signature Programs has valuable, extensive, working relationships with many of the top specialty companies in the insurance industry. We have certain insurance products which are exclusively ours.
Contact
Peter_Small@rpsins.com
URL: https://rpsins.com/programs/signature-programs/sports/resident-camps-day-camps/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
USA Softball
The Signature Insurance Program for USA Softball
RPS Signature Programs is the insurer of USA Softball, the national governing body of softball, for over 55 years.
USA Softball offers recreational, league, tournament and National Championship play. They have become one of the nation’s largest and fastest growing sports organizations and sanctions competition in every state through a network of state and metro associations.
RPS Signature Programs gives softball teams, players, coaches, umpires, camps, clinics and tournaments the comprehensive softball insurance they need.
To learn more click here.
Coverages
General Liability Coverage For USA Softball Events
The USA Softball Tournament/Clinic Liability Insurance Plan provides protection for lawsuits and court judgments that may result from bodily injury and property damage claims arising out of your USA Softball Sanctioned Tournament or Clinic operations.
Underwritten by Markel Insurance Company, Rated A by A.M. Bests rating service.
Policy Limits
- Liability per occurrence $2,000,000
- Aggregate per location $5,000,000
- Personal Injury / Advertising Injury $2,000,000
- Products / Completed Operations $2,000,000
- Sexual Abuse Liability per occurrence $2,000,000
- Sexual Abuse Liability aggregate $2,000,000
- Damage to Premises Rented $1,000,000
- Med Pay to Others (non-participants) $10,000
The policy includes Participants Liability, which is one of the most important aspects of Liability coverage for sports organizations.
Who is Covered Under This Policy?
- Tournament or clinic organizers
- Tournament or clinic officials
- Participating teams or players
- Individual team members
- Field owners (as additional insureds, if requested)
- Tournament or clinic sponsors
Accident Medical Coverage For USA Softball Event Participants
Under the USA Softball Tournament/Clinic Accident Insurance Plan, coverage extends to covered injuries incurred by Tournament participants while practicing or playing in Tournament games. For Clinics, coverage applies to participants while taking part in clinic activities at the designated clinic site. There is no coverage for travel or off-premises activities under this plan.
Policy Limits
- Accident Medical $250,000 per claim
- Accidental Death $5,000
- Accidental Dismemberment $10,000 principal sum
- Chiropractic & Physical Therapy $2,500 ($100 per visit)
- Durable Medical Equipment $1,000
- Deductible per claim $500 for Youth / $500 for Adults
90/10 % Coinsurance
52 week benefit period
This policy is written on an Excess basis, which means that the policy is secondary over any other valid and collectible insurance or healthcare plan that you may have. Thus, you need to submit your expenses to your own healthcare plan first, for this policy to consider your claim. If you have no other coverage in force, this policy will pay your claim as primary, subject to the deductible and other policy terms.
The policy only covers medical and dental expenses, which are incurred during the Benefit Period – within 52 weeks of the date of injury.
Tournament & Clinic Insurance Information
- Tournaments and clinics must be USA Softball approved or USA Softball sanctioned by your local USA Softball Commissioner to be eligible for this insurance program
- The enrollment form must be signed by a USA Softball Commissioner in order to bind coverage
- Coverage goes into effect as of the date the Tournament or Clinic starts, provided that the enrollment form and full premium are received by RPS Signature Programs prior to the start date
- You can purchase the Liability and Accident Insurance either separately or as a package
- Coverage automatically extends to make-up dates caused by weather, but no refunds are allowed for this program
- Apply by mail by completing the Enrollment Form and mailing along with a check to RPS Bollinger. Enrollment Form can be found here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Margaret_Schubkegel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/sports/usa-softball/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Social Services
Custom Social Services Programs for Every One-Of-A-Kind Risk
RPS Signature Programs specializes in addressing the needs of social service agencies and human service organizations, providing insurance coverage for the non-profit sector as well as for-profit classes. This protection allows these agencies and organizations to take care of their clients and take the risk out of helping.
Coverages
- Automobile Liability & Physical Damage - includes owned, hired & non-owned
- Excess Liability
- General Liability - includes blanket additional insured for funding source & broadening endorsement designed specifically for social services agencies
- Management Liability - includes Directors & Officers (D&O) with Employment Practices Liability Insurance (EPLI)
- Fiduciary Liability
- Professional Liability - includes coverage for employees, contracted employees, physicians and more
- Abuse or Molestation
- Cyber Liability
- Property, Inland Marine & Crime
- Workers’ Compensation (only available with a package policy)
NOTE: Each policy provides a separate limit of liability. Occurrence or claims made forms are available.
Target
Outpatient Services
- Adoption Placement Agency
- Foster Placement Agency
- Substance Abuse Programs
- Mental Health Counseling Centers
- Home Health Care (non-medical)
- Medical Home Health Care
- Outpatient Hospice Care
- Adult Day Care
- Case Management
- Meals on Wheels
- Court Appointed Special Advocate (CASA)
- Crisis Hotline
- Referral Agencies
- Methadone Maintenance
- Home Studies
- Needle Exchange
- Counseling Centers
- Agencies for Seniors or Aged
- Sheltered Workshop
Inpatient Services
- Assisted Living Facilities
- Shelters
- Group Homes for Developmentally Disabled
- Transitional Housing
- Drug & Alcohol Rehabilitation Centers
- Residential Care Facilities
- Senior Living Facilities
- Supervised Living
- Medical Detox
Not-for-Profits
- Foundations
- Human Society
- Fraternal Organizations
- No Professional Liability Exposure
- Completed Accords are Needed, No Special App
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Robin_Stolle@rpsins.com
URL: https://rpsins.com/programs/signature-programs/health/social-services/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
PodiatryChoice
The Signature Insurance Program for Podiatry
RPS Signature Programs PodiatryChoice medical professional liability program is designed to meet the Professional Liability insurance needs of the modern podiatric private practice with enhanced claims made coverage, tailored pricing reflecting your actual practice, quality risk management services and outstanding claims handling. All of this backed by expert personalized service from those who understand podiatrists' insurance needs.
Coverages
The PodiatryChoice policy provides comprehensive claims-made professional liability coverage, tailored specifically for podiatric practices. Features and benefits include the following. Some features are not available in all states.
- Full prior acts
- Consent to settle
- Personal and advertising injury
- Defense costs are outside the limits of liability
- Peer review, disciplinary hearing or other regulatory actions defense coverage
- High limits, no deductibles
- First aid coverage
- Free tail in the event of death, disability or retirement
Target
- Individual
- Groups
- New grads
Available in 42 states (not available in AL, AK, HI, LA, RI, SC, VT, WA)
Limits
- Limits available up to $1,000,000/$3,000,000 (in most states)
- Defense costs outside limits
- Administrative hearings legal expenses up to $25,000 aggregate limit
- Billing E&O up to $50,000 aggregate limit
- Sexual misconduct legal defense coverage $100,000 aggregate limit
- Data Breach up to $50,000 aggregate
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Karen_Babin@rpsins.com
URL: https://rpsins.com/programs/signature-programs/health/podiatrychoice/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Tow
The Signature Insurance Program for Towing Operations
RPS Signature Programs provides a coverage solution for operators of tow trucks. The insurance products and risk management services we provide for the Towing sector are designed to navigate blind spots, mitigate and transfer risk, drive down costs, and optimize operations. This is a closed program with exclusive appointments, we will quote for no other agency/broker in your territory.
Coverages
- Auto
- Garagekeepers Legal Liability
- General Liability
- Property (Non-CAT areas)
- Inland Marine (Non-CAT areas)
- Motor Truck Cargo
Target
$1,000,000 OCC & $2,000,000 AGG, up to $1,000,000 on Motor Truck Cargo and Garagekeepers
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Christopher_Robinson@rpsins.com
URL: https://rpsins.com/programs/signature-programs/transport/tow/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
California Private Schools Workers’ Compensation
The Signature Insurance Program for CAPS-SIG
RPS Signature Programs California Private Schools Workers’ Compensation Self-Insurance Group, Inc. (CAPS-SIG) is an alternative to traditional workers’ compensation insurance. With the unique workers’ compensation needs of schools, RPS Signature Programs develops customized safety programs, controls the claims process, and reduces costs, and handles the day-to-day management of the program.
CAPS-SIG, Inc. succeeds because the covered employers have a long-term interest in preventing and controlling injuries. Each member plays two roles: a participant in the plan and a participant in the plan’s governance. Members make contributions, which fund losses and program expenses. After claims are closed and expenses paid, the surplus funds– including investment income–are returned to the members
Coverages
- Workers’ Compensation (California)
Target
- California based Private Schools and Universities
Limits
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
L.J._Battagliese@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/caps-sig/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
GuardianComp, Inc.
Custom Workers’ Compensation Programs for Every One-Of-A-Kind Risk
RPS Signature Programs GuardianComp, Inc. is an alternative to traditional Workers Compensation insurance for non-profit nursing and continuing care retirement communities in the state of California. With the unique Workers Compensation needs of the nursing and continuing care industry in mind, RPS Signature Programs develops customized safety programs, controls the claims process, reduces costs and handles the day-to-day management of the program.
GuardianComp, Inc. succeeds because the covered employers have a long-term interest in preventing and controlling injuries. Each member plays two roles: a participant in the plan and a participant in the plan’s governance. Members make contributions, which fund losses and program expenses. After claims are closed and expenses paid, the surplus funds–including investment income–are returned to the members.
Coverages
- Workers’ Compensation (California)
Target
- Non Profit Nursing Homes and Continuing Care Facilities
Limits
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
L.J._Battagliese@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/guardiancomp-inc/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Michigan Cleaning Fund
The Signature Insurance Program for Workers’ Compensation
The RPS Signature Programs’ Michigan Cleaning Fund was established in 1981 and has an excellent track record of premium returns averaging 50% to its members. The Fund is endorsed by Michigan Institute of Laundering and Dry Cleaning and Midwest Carwash Association.
Coverages
Workers’ compensation for employers domiciled in Michigan with additional coverage available through the Fund’s excess carrier when out of state coverage is needed.
Limits
Up to $2,000,000 employers’ liability coverage available.
Target
- Dry cleaning
- Industrial laundries
- Carpet cleaners
- Carwashes
- Commercial janitorial operations
For more information or to request a quote click here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Sharon_Novasel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/michigan-cleaning-fund/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Michigan Clubs Fund
Your Specialty, is Our Signature
The RPS Signature Programs’ Michigan Clubs Self Insurance Fund was founded in 1981 and returns over 50% of a member’s premium. The MI Clubs Fund is endorsed by Michigan Golf Course Association.
Coverages
Workers’ compensation for employers domiciled in Michigan with additional coverage available through the Fund’s excess carrier when out of state coverage is needed.
Limits
Up to $2,000,000 employers’ liability coverage available.
Target
- Country Clubs
- Golf courses (public and private)
- Athletic clubs
- Yacht clubs
- Hunt clubs
- Ski clubs
- Riding clubs
For more information or to request a quote click here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Sharon_Novasel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/michigan-clubs-fund/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Michigan Food Processing & Distribution Fund
Your Specialty, is Our Signature
The RPS Signature Programs’ Michigan Food Processor & Distribution Fund was established in 2007. This program has an average premium return of 46% to its members.
Coverages
Workers’ compensation for employers domiciled in Michigan with additional coverage available through the Fund’s excess carrier when out of state coverage is needed.
Limits
Up to $2,000,000 employers’ liability coverage available.
Target
- Food processing
- Food wholesale
- Milk haulers
- Food distribution -including pet food
Participants shall be engaged in food processing, food wholesale and food distribution. Specifically those employers that convert raw food products into consumable items such as bottlers, canners, brewers, homogenizers, and pet food processors. Also eligible are businesses engaged in food warehousing, food wholesale distribution, food related supplies, milk haulers and the packaging of food products.
For more information or to request a quote click here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Sharon_Novasel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/michigan-food-processing-distribution-fund/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Michigan Grocers Fund
The Signature Insurance Program for Workers’ Compensation
The RPS Signature Programs’ Michigan Grocers Fund was established in January 2014. The Fund have received an average premium return of 41%. The Fund is endorsed by the Michigan Retailers Association.
Coverages
Workers’ compensation for employers domiciled in Michigan with additional coverage available through the Fund’s excess carrier when out of state coverage is needed.
Limits
Up to $2,000,000 employers’ liability coverage available.
Target
Supermarket and/or grocery store whose volume of sales is primarily engaged in selling a general line of food and beverages such as canned and frozen foods, dairy products, a variety of beverages including alcohol, fresh fruits and vegetables, fresh and prepared meats, fish, and poultry.
For more information or to request a quote click here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Sharon_Novasel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/michigan-grocers-fund/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Michigan Restaurant & Lodging Fund
Custom Workers’ Compensation Programs for Every One-Of-A-Kind Risk
The RPS Signature Programs’ Michigan Restaurant & Lodging Fund has served the hospitality industry since 1992 and is endorsed by the Michigan Restaurant and Lodging Association. The Michigan Restaurant & Lodging Fund has returned an average of 48% of a member’s premium.
Coverages
Workers’ compensation for employers domiciled in Michigan with additional coverage available through the Fund’s excess carrier when out of state coverage is needed.
Limits
Up to $2,000,000 employers’ liability coverage available.
Target
- All restaurants with sit down table service;
- Fast food
- Family style
- Fine dining
- Bar & grill
- Delis
- Coffee shops
- Banquet facilities
- All hotels, motels, inns, resorts including seasonal and non-franchised
For more information or to request a quote click here.
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Sharon_Novasel@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/michigan-restaurant-lodging-fund/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
Quality Comp, Inc.
The Signature Insurance Program for Workers’ Compensation
RPS Signature Programs Quality Comp, Inc. is an alternative to traditional Workers’ Compensation insurance for not-for-profit social services organizations in the state of California. Serving many of the state’s largest not-for-profit social service institutions, RPS Signature Programs understands the unique Workers’ Compensation needs of the not-for-profit social services industry and develops customized safety programs, controls the claims process, reduces costs and handles the day-to-day management of the program.
Quality Comp, Inc. succeeds because the covered employers have a long-term interest in preventing and controlling injuries. Each member plays two roles: a participant in the plan and a participant in the plan’s governance. Members make contributions, which fund losses and program expenses. After claims are closed and expenses paid, the surplus funds–including investment income–are returned to the members.
Coverages
- Workers’ Compensation (California)
Target
- California Non Profit Social Service Agencies
Limits
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
L.J._Battagliese@rpsins.com
URL: https://rpsins.com/programs/signature-programs/workers-compensation/quality-comp-inc/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
General Business
Custom General Business Programs for Every One-Of-A-Kind Risk
RPS Signature Programs offers a general business closed program that started in 2008. We have $25,000,000 in written premium with 6 agency appointments. AM Best rated A 15 carrier.
We have a very limited distribution; select few agencies who will have an “exclusive appointment” in their territory. In return for exclusive appointment; we expect to have a close working relationship with each agency; a real partnership that is willing to work closely with us. We are a true generalist, in the sense we will write multiple different classes of business, from all types of commercial contractors, manufacturers, hotels, restaurants, distributors, ect.
Coverages
- Auto
- General Liability
- Property (Non-CAT areas)
- Inland Marine
Target
$25,000 min premiums
Limits
$1,000,000 OCC & $2,000,000 Agg
Why RPS Signature Programs
Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks.
Contact
Christopher_Robinson@rpsins.com
URL: https://rpsins.com/programs/signature-programs/general-business/general-business/?utm_source=referral_websites&utm_medium=targetprograms&utm_campaign=signature_programs
