RPS PRODUCTS AND PROGRAMS GUIDE

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1 RPS PRODUCTS AND PROGRAMS GUIDE SOCIAL SERVICES EQUINE FARM & RANCH CHIROPRACTORS STUDENT BLANKET Lawyers Insurance MORTGAGE BANKING BOILER MACHINERY PROPERTY AND CASUALTY FLOOD & EXCESS FLOOD PROFESSIONAL COVERAGES WORKERS COMPENSATION BED & BREAKFAST RELIGIOUS & NONPROFIT LENDER PLACED HOT AIR BALLOON TECHNOLOGY & CYBER SPORTS BEAUTY SERVICES PERSONAL LINES HEALTHCARE Insurance Agents & Brokers HABITATIONAL JEWELERS BLOCK WHOLESALE DISTRIBUTORS ALL LINES AGGREGATE WINERY BICYCLE/SKI/ SEGWAY AVIATION Knowledge. Relationships. Trust and Confidence.

2 AGROPRO PROFESSIONAL LIABILITY Agropro Professional Liability coverage is crafted to meet the needs of Agriculture Consultants and Related Agronomic Specialties, including services as an agricultural consultant, agronomist, horticulturalist, agricultural scientist, viticulturalist, orchard manager, farm manager, rural appraiser, rural real estate and land agent. Linda Deiss ALL LINES AGGREGATE The All Lines Aggregate program is a contemporary alternative to conventional insurance. It is a tailor-made package that blends risk retention, risk transfer, and customized claims management within a framework designed to effectively manage today s total cost of risk and unlock significant long-term savings. Shawn McCall ALLIED HEALTHCARE Itasca, IL This admitted program is designed by underwriters who understand the unique insurance needs of allied healthcare professionals for professional liability and general liability insurance. Target clients include nurse registries, home healthcare agencies, hospice organizations and staffing agencies. Available nationwide. Nick Spano Alecia Mathis ARCHITECTS, ENGINEERS & SURVEYORS DESIGN & BUILD CONTRACTORS (PROFESSIONAL LIABILITY) Coverage for Architects, Engineers, Land Surveyors, Construction Managers, In-house Design and Build as well as Contingent Design and Build, moonlighters, and for Construction Managers both as agent or at risk. Linda Deiss AVIATION RPS has assembled a wide variety of specialty aviation markets and typical aviation insurance risks, including Aerial Photography/ Mapping; Air Ambulance Operations, Aircraft News/Traffic Reporting, Airport Contractors, Airport Premises Liability, Air Show Liability, Aviation Fueling Operations, Aviation Workers Compensation, Charter, Cargo Operations, Completed Operations Liability, Control Tower Liability, Corporate Aircraft & Fleets, Excess Aircraft Liability, Fixed Based Operations, Flight Schools, Flying Clubs, 2 General Aviation Airports, Hangar (Property), Helicopters, Mfr. Aviation Product Liability, Nonowned Aircraft Liability, Pleasure and Business Aircraft, Private Airstrips, Products Liability, Repair and Service Operations, Sales, Demo Aircraft, Vintage, Warbird Aircraft, and Transitioning Pilots. Brian Riehl Larry Konash x120 BED & BREAKFAST Lexington, KY Bloomington, MN Package policies to cover both Property & Liability with no protection class restrictions. A rated E&S carrier (Lloyd s of London), available in all states except: FL, GA, IL, KY, and WV. Coverage includes: Personal Liability & GL limits up to $1,000,000, Loss of Business Income, Host Liquor, Restaurant Liability, Personal Injury Protection, Equipment Breakdown, Additional Living Expenses, Owner Occupied Risks and Scheduled Personal Property. Ashley Granberg BICYCLE/SKI Federal Way, WA The program includes Bicycle & Ski Dealers/Rental Operators and Bicycle Tour Operators, Manufacturers of Bicycles, Bicycle Components, Distributors, Importers and Suppliers of Bicyclingrelated accessories (clothing, shoes, etc). The program is available in all 50 states. Jamie Augustine BOILER & MACHINERY Poulsbo, WA The Risk Placement Services (RPS), Boiler & Machinery Unit located in Chicago, Illinois, is the only unit of its kind in the country. We work exclusively with equipment breakdown insurance coverage. Exclusive Equipment Breakdown Coverage Programs: Religious, Housing Authorities, Municipal and Scholastic, Higher Education, Real Estate and Other Nonprofit Groups; MGA Underwriting Authority and Boiler & Machinery Program Reinsurance. Open Market Placement, including Coverage Design Assistance: We place all occupancies of manufacturing, commercial and retail businesses, ranging from dairies to electric districts. You name it, we have placed it or have worked on the occupancy in the past. We can also provide Boiler & Machinery Builders Risk coverage. Joel Bissing CAMP INSURANCE PROGRAMS RPS Camp Insurance Programs has a long history specializing in Camp, Conference and Retreat Center insurance. We understand the unique insurance and risk management needs of all types of camps, conference and retreat centers, plus all kinds of experiential education and adventure travel programs. Ed Shirick Monticello, NY

3 CASUALTY PRACTICE GROUP Our Casualty Practice Group includes dedicated insurance brokers from our national network of office locations who specialize in this line of business. Casualty Lines include Liability, General & Products Liability, Umbrella & Excess Liability, Environmental/ Pollution Liability, Product Recall, Discontinued Products, Warranty Coverage, and Foreign Liability. For more information on marketing territories, carriers and contacts, go to and select RPS Casualty Practice Group in the Marketing Library. CHIROPRACTOR The RPS Healthcare Chiropractor + insurance program is designed to meet the professional liability and general liability insurance needs of chiropractors with broad coverage, competitive pricing and outstanding customer service from experienced broker underwriters who understand chiropractors unique insurance needs. Program highlights include Occurrence or claims made coverage, available on an admitted basis countrywide except KS; Premises Liability, Personal Injury Liability and Billing E&O defense included; HIPAA defense only and administrative hearings defense, loss of earnings for defense assist, assault upon the insured, firstaid expense, medical payments to others, and more. Sarah Dore Sheri Fresquez Angelena James CONTRACTORS POLLUTION LIABILITY FOR ARTISAN CONTRACTORS Our in-house binding Contractors Pollution Liability program is designed for small to midsized Trade and Artisan Contractors (up to $5,000,000 in gross receipts) who need to show evidence of pollution coverage for work they do. Target states: IA, IL, IN, KS, MI, MN, MO, ND, NE, OH, SD, WI and in other states on a case-by-case review. Lisa Westerdale Kelly Tautges CYBER LIABILITY Waukesha, WI Waukesha, WI The Executive Lines and Technology and Cyber teams have collaborated to build a state-of-the-art online Cyber program for all companies under $100M in revenues (except for adult entertainment and gambling sites). This system will allow our retail partner to complete the application information and secure a formal quote from a Lloyd s of London backed consortium within three minutes. The quotes can be bound within the system and a policy will be issued within one minute. The product includes full limits for privacy liability, privacy regulatory claims, security breach response, security liability, multimedia liability, cyber extortion, business income and digital restoration. Also includes $100k sublimit for PCI DSS assessments as well. Ryan Collier Steve Robinson Cambridge, MD DIRECTORS & OFFICERS RPS Executive Lines offers a state-of-the art online D&O program for private and nonprofit entities through their exclusive Innovas platform. Innovas is designed to provide quotes for D&O, EPL, and Fiduciary in a matter of minutes. The application, quoting and binding process takes 10 minutes and provides three admitted quotes, a proprietary intuitive coverage analysis, and a predetermined suite of negotiated endorsements. Adam Connor ENERGY Oil lease operators & non-operators, service & lease work contractors including fracking contractors and pipeline exposures, manufacturers, dealers & distributors, equipment rental, oil field consultants and alternative energy (wind, solar, biofuel, hydro and tidal). Binding and brokerage programs offered through admitted and nonadmitted carriers. Package products available to include GL, Environmental, Commercial Auto, Professional and Excess liability. Cheryl Celcer Paul Bedish Janine Worland ENVIRONMENTAL Tulsa, OK Federal Way, WA Kansas City, MO Scottsdale, AZ Salt Lake City, UT Houston, TX Few environmental exposures, if any, are covered in a standard property and casualty insurance program. Stand-alone pollution liability insurance has become an accepted solution for facilities looking to mitigate their exposure to pollution claims. Our environmental specialists leverage a network of experts from coast to coast, offering access to the finest markets, both admitted and nonadmitted. Sarah Wirtz Or your local RPS Office EQUINE Our Equine Program provides coverage for bodily injury and property damage if held liable for others; injuries or property losses due to horse-related activities. This is vital protection for stable owners, trainers, instructors and people in the equine business. Risk profile includes Boarding, Riding Academies, Private Lessons, Clinics, Horse Sales/Shows, Riding Club Liability, Private Horseowner Liability, Farm and Ranch Owners, Farm Umbrella, Care, Custody or Control, Tack Insurance, Equine Clubs, and Equestrian Multiguard. 3

4 Sandy Williamson x1021 Kim Mayer x256 Teri Goulet x246 Cheryl Celcer Federal Way, WA Eau Claire, WI Eau Claire, WI Oklahoma City, OK EXCESS WORKERS COMPENSATION RPS specializes in Excess Workers Compensation nationwide. Excess Workers Compensation serves the market comprised of self-insured entities such as corporations, nonprofit groups and public entities. We have a network of carriers to help ensure the best placement of your risk. Rafael Olivares Los Angeles, CA EXECUTIVE LINES We specialize in protecting individuals and their companies against an array of executive risks and other professional liabilities. From D&O to E&O, employment practices liability, fiduciary liability, kidnap & ransom to healthcare professional liability, RPS Executive Lines has relationships with approximately 100 different insurance markets, enabling us to find the right coverage for both individuals and their companies. Ryan Collier Or your local RPS office FARM & RANCH We offer comprehensive coverage for many different types of farm and ranch exposures. Types of exposures include Dairy Farms, Grain Farms/Crop Farms, Hobby Farms with a farm liability exposure, Cattle Ranches, Equine Related, Fruit, Vegetable, Nut Farms, Christmas Tree Farms, Farm Excess Liability. Sandy Williamson x1021 Kim Mayer x256 Teri Goulet Phil Rellinger Cheryl Celcer Federal Way, WA Eau Claire, WI Eau Claire, WI Hawaii Only Oklahoma City, OK FLOOD AND EXCESS FLOOD RPS Flood Services can assist with your flood insurance placements for Underlying National Flood Insurance Program (NFIP) and our In- House Excess Flood facility through Lloyd s of London. Target risks include School Districts/Universities, Public Entities, Townships, Water Treatment Facilities, Apartment Complexes, and Shopping Centers. Our team can assist with Flood Zone Determinations, Elevation Certificate ordering, Letter of Map Amendment and Removal (LOMA, LOMR), and NFIP Alternative Programs. GOLF & CLUB INSURANCE Brokers around the country target our programs to insure Private Golf & Country Clubs, Semiprivate and Daily Fee Courses, Private Tennis Clubs, Golf Management Companies, Homeowners Associations in gated, year-round communities, City Clubs and Dining Clubs, and National, Regional and State Golf Associations. Available in 50 states through A rated carriers. Lori Crispo Tom Walker Short Hills, NJ Short Hills, NJ HABITATIONAL We are committed to structuring the best habitational insurance policy for your client and will aim to do so using various risk transfer and loss analysis techniques. We understand that clients looking for habitational insurance have complicated needs and know exactly how to address those needs on an account-by-account basis. Habitational business and the needs of habitational clients are not the same as other asset classes. When you need an expert in this space, call RPS. James T. Rozzi David Novak Or your local RPS office Area Senior Vice President Area President HEALTHCARE RPS Healthcare is an insurance intermediary and wholesaler specializing in professional and general liability insurance and reinsurance solutions for the healthcare industry. We represent more than 40 domestic and international insurance companies, including exclusive relationships with several. We focus on everything and everyone from individual healthcare providers to large academic healthcare teaching institutions to long-term care facilities. Our offices are staffed with experienced healthcare brokers who are familiar with the unique needs of healthcare clients. Bill Yurek HIGHER EDUCATION Our Higher Education niche specializes in risk management and insurance solutions for Higher Education institutions. We focus on Colleges and Universities in order to assess their strategic, operational, financial and hazard exposures. Our national team of industry experts focus on the challenges our clients face with our in-depth knowledge of educational institutions and risks. Steve Cius HOT AIR BALLOON Los Angeles, CA RPS dominates the Hot Air Balloon market in the U.S. Our target market is the individual operators and small to midsized commercial operators, for personal and passenger rides. We offer liability and hull coverage, airport operations, host liquor liability, advertising and other coverages. 4 Dave Williams

5 Other exposure types include Special shapes or balloons with commercial messages; Helium and hydrogen gas balloons; Remote controlled blimps and blimps used for photographic platforms; Thermal airships used as advertising platforms. Larry Konash x120 Bloomington, MN INSURANCE AGENTS AND BROKERS PROGRAM This program is for larger Insurance Agencies, wholesalers and MGAs, etc. Policy Highlights: Claims made and reported, automatic 60- day ERP extension, claims cost in addition to limit, aggregate deductible, first dollar defense, punitive and exemplary, supplementary payments (in addition to limit at zero deductible), spousal coverage, advertising liability, unfair competition, public disclosure, deceptive trade practices, automatic coverage for independent contractors, ERP option 1 to 5 years, minimum premium $5,000, minimum deductible $5,000, and full contractual liability LRO brokerage/claims agreement with insurers. Available in NJ and NY (Admitted), and all other states, including DC (Nonadmitted). Frank Figaro JEWELERS BLOCK Bridgewater, NJ Coverage is offered for physical loss or damage to precious and semiprecious stones, jewels, jewelry, precious metals, fine arts/ art gallery/precious collections and other related property usual to the jewelry trade. This includes property of others entrusted to the insured or property of an insured entrusted to others. Kathy Gallagher-Burton LAWYERS INSURANCE PROGRAM Minneapolis, MN RPS is a nationwide program administrator for small to midsized Insurance Agents and Brokers. Policy Highlights: Limits available from $250,000 each loss/ aggregate to $5,000,000 each loss/aggregate. Claims made and reported, automatic 30 day ERP extension, claims cost in addition to limit, first dollar defense, annual aggregate deductible, supplementary payments in addition to limit to zero deductible, automatic coverage for independent contractors, ERP option 1 to unlimited years and pre claim hotline. We do not write sole practitioners, firm whose AOPs include environmental opinions, oil/gas/mining, real estate development/syndication, securities, tax shelters and risks with poor claims experience. Available in all states, EXCEPT: AK, CA, HI, LA, NY (unless NYFTZ), OR and TX Frank Figaro Bridgewater, NJ LENDER PLACED/REAL ESTATE OWNED HAZARD (REO) Lender Placed Hazard coverages for Financial Institutions who have extended property loans to customers. Special program covers commercial or residential property when the property owners own insurance is canceled, has lapsed or is insufficient in meeting the requirements of the lender. REO Hazard covers losses to property that the financial institution has repossessed from a borrower. Both programs are direct bill basis with exposures reported online by a financial institution customer directly to the insurance carrier. We simplify the process of covering these exposures for the financial institutions and alleviate their exposure to uncovered property losses. Suzanne Coggon MOBILE & MANUFACTURED HOMES Waukesha, WI RPS is able to provide coverage for almost all types of homes of this nature for both property and liability. We can write homes on an individual basis and large schedules for both personal and commercial clients. Our current insuring territory includes the Gulf Coast states and the Eastern Shore states. Crystal DePascual Amy Johnson MORTGAGE BANKERS AND BROKERS Covington, LA Covington, LA The RPS Mortgage Bankers and Brokers Program provides tailored coverage for Professional Liability as well as the investor and warehouse lender required Mortgagee s E&O and Fidelity Bond. The Program is designed to serve independent mortgage bankers and brokers who focus on 1 4 family residential lending. Coverage is available in all 50 states and is designed to be a one stop shop with quotes provided by multiple A rated carriers through an easy online quote, bind, and policy issuance system. Bob Hanson NATUROPATHS Our program is designed to meet the professional liability insurance needs of naturopaths with enhanced coverage and attractive pricing. Program highlights include: Limits available up to $2 million per occurrence; Premises Liability, and Personal Injury Liability are included; Coverage for HIPAA defense, administrative hearings, biomedical waste defense, and more; Billing E&O defense coverage is included at no additional cost. Available in AK, AZ, CA, CO, CT, DC, HI, ID, KS, ME, MN, MT, NH, OR, UT, VT, WA Jim Bishop

6 OCCUPATIONAL ACCIDENT Occupational Accident Insurance provides benefits for eligible onthe-job accidents that owner/operators or contract drivers sustain while on dispatch with a motor carrier. Policy Highlights: Survivors Benefits; Temporary Total Disability; Accidental Dismemberment; Accidental Medical Expenses. Dida Taylor x505 OCEAN MARINE New Albany, IN RPS marine specialists offer Ocean Marine coverages for Boat Yards and Marinas including Marina Operators Legal Liability, MOLL P&I, Hull, Contractors Equipment, Property, GL, Business Auto, and Bumbershoot (excess liability). Target clients for Hull and P&I Coverage are Charter Fishing, Boat Rentals, Boat Dealers, Tugs & Barges, Commercial Vessels, Excursion Vessels, and Yachts. Also available are: Ocean Cargo, Marine Contractors, Stevedore/Wharfingers, Product liability, and Excess Marine liabilities. Jack Papas ext. 117 Joe Zaloudek PERSONAL LINES Minneapolis, MN Tulsa, OK Homeowner s, Mobile Homes, Scheduled Articles, Watercraft, Stand-Alone Umbrella/CPL, Earthquake, DIC, COC and Motorcycle are among the products available from many RPS locations. For more information on marketing territories, carriers and contacts, go to and select the National Personal Lines Directory in the Marketing Library. PRODUCT RECALL The Safe Product Resources program indemnifies loss arising from Voluntary Recall of any inadvertent or unintentional contamination, deficiency or mislabeling of the insured s product that has or would have caused bodily injury or property damage. Accidental Contamination, Accidental Defect, Malicious Product Tampering, Reputational Damage, Product Extortion, or Government Recall. Susie Parks PROPERTY PRACTICE GROUP Scottsdale, AZ The RPS national team-based approach to market intelligence and technical expertise of senior members means you always have access to the best of the best. Brokerage Property includes All-Risks, Florida Windstorm, Coastal Properties, California Quake, Builders Risks (including Renovations), Deductible Buy-Backs and Wind Buy-Backs, Excess Property, Flood Coverage (including A&V Zones), DIC, Vacant Property, Caribbean Risks, Inland Marine, Equipment Floaters, Ocean Marine & Cargo, and Terrorism. For more information on marketing territories, carriers and contacts, go to and select the RPS Property Practice Group in the Marketing Library. PUBLIC ENTITY & SCHOLASTIC RPS brings expertise proven through a large variety of placements for a wide range of public entity risks. Excellent market relationships allow us to respond with competitive products to meet the needs of the Public Entity Sector. We have the capability to market and place primary, umbrella and excess liability accounts of all sizes. Classes: Towns, Villages, Boroughs and Counties, Housing Authorities, Special Districts, Utility Authorities, Public K-12, Colleges & Universities, Social Services. Shawn McCall Steve Cius RELIGIOUS INSTITUTIONS Itasca, IL Los Angeles, CA The RPS Religious Institution Program brings property, general liability, professional and management liability coverages together to meet the risk management needs of religious organizations. This unique program was also designed to address other services, such as schools and various social services that the religious organizations provide to the community. The policy has specific coverage forms for these services, eliminating the need to purchase separate policies for various operations. Katie Detroit RELIGIOUS & NONPROFIT Poulsbo, WA We offer customized insurance solutions in Casualty, Property and Executive Protection. All Denominations; Dioceses of All Sizes; Mega Churches Single/Multiple Location Churches; Schools or Ministries Religious Affiliated Organizations; All Secular Nonprofits. Shawn McCall SCHOOL VIOLENT ACTS POLICY Itasca, IL School Violent Acts Policy is first party coverage to pay the expenses incurred in managing what is traditionally a third party event. The policy provides indemnification for crisis management service expenses incurred by the school or school district such as; intervention and containment, media, public relations; communications and security personnel; travel expenses for family of a victim to the location where the incident occurred; security related property or equipment expenses for the mitigation or prevention of future acts. This coverage is available only to public, K-12 schools and school districts. Matt Meyer SEEDSMEN S E&O Lexington, KY Seedsmen s E&O covers Seed producers, who are members of a recognized seed trade association, for financial loss for liability arising from the failure of the seed sold, or treated, to be of the correct variety or quality. It is designed to complement GL/ Products Liability which only covers physical damage to property or bodily injury, not financial loss. This Seedsmen s Program is also available for Nurserymen (i.e., fruit/nut trees and shrubs), Seedling Growers, Crop Consultants, Vineyard Consultants/ Managers and Seed Testing Facilities. 6 Linda Deiss

7 SOCIAL SERVICES RPS specializes in a unique, comprehensive program designed exclusively for social service agencies. This nationwide Social Works Protection is available for the nonprofit sector, as well as for-profit agencies. Each policy is designed to address the insured s unique exposures. Katie Detroit SPORTS Poulsbo, WA We are the exclusive Program Manager and TPA for the insurance companies who underwrite our Sports Insurance plans. Sports insurance plans are specifically tailored for Independent Youth and Adult Sports and Recreation organizations, National, Regional and Statewide amateur and Olympic sports associations, Sports facilities and venues, Sports camps, tournaments and events, Sports academies, training facilities and sports instruction. Lori Crispo AJ Morgan STUDENT BLANKET Short Hills, NJ Short Hills, NJ Our program is designed to meet the professional liability insurance needs of colleges and universities offering training in the healthcare field. The RPS Student Blanket program seamlessly covers students, instructors, and schools for risks associated with students training in the field with cost-effective coverage for their allied health, nursing, and other healthcare-related programs. Jim Bishop TECHNOLOGY & CYBER From traditional IT consulting and software companies to cuttingedge firms in video game development, online media publishing and social networking, RPS is a nationally recognized leader in this rapidly changing environment. Steve Robinson TITLE AND ESCROW AGENTS Cambridge, MD The Title and Escrow Agents program is written with an A rated carrier in all states except for AK and HI. All states are on the admitted basis except for KS, LA, NM, NY, RI, SD, VT and WY. Coverage highlights: Claims made and reported, automatic 60-day ERP extensions, optional ERP up to 6 years, claims cost within the limit, first dollar defense, punitive and exemplary (where permitted by law), loss of earnings up to $5,000 per policy period and automatic coverage of independent contractors. Frank Figaro Bridgewater, NJ TRANSPORTATION & GARAGE Commercial Auto, Garage Liability and Public Auto are the categories for a long list of trucker s, hauler s, shops, dealers, buses, taxis and so on. For more information on marketing territories, carriers and contacts, go to and select the National Transportation Directory in the Marketing Library. WHOLESALE DISTRIBUTORS Package policy for Property, Casualty, Commercial Auto/Fleet, General Liability for wholesale distributors of durable and nondurable goods. Mike Mehok Stamford, CT WINERIES, DISTILLERIES, BREWERIES AND RELATED BUSINESSES Property and General Liability coverage for wineries and vineyards stock, buildings, equipment, contamination, liquor liability and special events. Janine Worland Blake Worland Jake Wilcox WORKCARE Kansas City, MO Kansas City, MO Kansas City, MO Target States: AZ, CO, ID, MT, NV, NM and UT. As specialists in the field, the RPS WorkCare program provides a wide range of services, which are designed to reduce costs associated with on-the-job injuries. Ryan A. Moore Ed Galtney WORKERS COMPENSATION Boise, ID Boise, ID Target States: All states except AK and monopolistic states Risk Appetite: Tough exposures/high experience mods; healthcare, especially home health and medical temp staffing, social services, multistate risks, specialty placements including Excess Workers Compensation for qualified self-insureds, large deductibles and USL&H coverage. Pat Edwards Eddie Hendrix Minoo Bhatia Scottsdale, AZ 7

8 RPS takes pride in having excellent relationships and products with the best carriers in the industry. All programs are placed with a minimum A.M. Best rating of A, with financial stability and claims expertise. All Marketing Materials are available on Marketing Library. Let simplify your insurance search! Two Pierce Place Itasca, IL Ph: Fax: RPSins.com PP8RPS0814

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