Risk Placement Services (RPS)

Verified Jun 9, 2026

2 market access options through 1 grouped program.

rpsins.com/·Wholesale / MGA group

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Program Summary

Programs: 2
Verified: 1
Files: 2
Type: Wholesale / MGA

Reported Program Territory

State list pending verification.

Agent Actions

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Submission requirements

Required documents, narrative, and conditional items agents should collect before sending business.

1 program

Wholesale Brokerage - Trucking, Fleet & Property

RPS fleet submission requirements: - Equipment list showing owned trucks and owner-operator trucks separately. - Historical equipment list: current year, 3 prior years, and projected next year. - Revenue / financials. - Five-year loss summary. - Driver list with date of hire and exact years of experience. Do not only write "2+" on the application. - Average driver experience of 5 years is preferred. - Ideal mileage is 120,000 miles or less per truck. - Revenue reasonability check: about $240,000 per truck for reefer and about $200,000 per truck for dry freight. This helps confirm the fleet is reporting the correct truck count. - Identify reporting policy type: mileage reporting, revenue reporting, monthly unit reporting, or other reporting basis. - For mileage-reporting programs, confirm actual mileage carefully. Nirvana may return only 10% when less mileage is driven. Fleet example packet should include: - Overview: ISS score, crash alerts, years in business, total power units, company / owner-operator split, total trailers, driver retention, average driver years of experience, driver count, ELD provider, and cameras. - Coverage requested: Auto Liability, Motor Truck Cargo, APD, GL, excess, or other requested lines. - AL section: requested limit, UM/UIM, HNOA, and deductibles where applicable. - MTC section: limit, deductible, and projected revenue. - Radius of operations table by mileage band. - Cargo mix table with commodity percentages. - Historical info table: upcoming term, current term, 1st prior, 2nd prior, 3rd prior, power units, gross receipts, mileage, and stated values. - Loss summary: five years by line of coverage with paid, reserves, recoveries, deductible, total incurred, and claim count. - Large loss summary for losses over $100,000 with accident description, status, paid, reserves, recoveries, deductible, and total incurred. - Account loss summary and IFTA quarterly mileage support. RPS property submission guidance: - Best fit for larger commercial property placements above $5M TIV and $20,000+ premium. - Smaller property placements should be routed to RPS binding authority when available. - Include property schedule, TIV, construction, occupancy, protection class, loss history, CAT/wind/hail exposure, requested limits, deductibles, target premium, and incumbent/renewal details. - For habitational risks, identify apartment, condo, townhome, student housing, subsidized housing, frame construction, number of locations, units, updates, and recent losses. - Verify state, carrier availability, catastrophe appetite, and program terms before binding.

Market access

Carrier, paper, and program options agents can access through this wholesaler.

RPS Chicago Property

RPS property access

Power units

A.M. Best

Tenure

Property, Habitational, Flood, Earthquake, Wind/Hail

States: Placement-state dependent; verify carrier and CAT appetite

Large commercial property placements above $5M TIV and $20,000+ premium. Handles habitational, vacant buildings, manufacturing, warehousing, CAT-exposed business, fireworks, wind/hail buydowns, standalone flood and earthquake, and accounts coming off large losses. Parker Cumbo is the property broker contact for this update.

RPS In-house Habitational Property Program

RPS property access

Power units

A.M. Best

Tenure

Property

States: Select apartment, condo, and townhome risks; verify state and program terms

Newer RPS in-house habitational property program for select apartment, condo, and townhome risks. RPS indicated strong traction for the program. Use for select habitational property opportunities; request current program details before submitting.

Documents

2 source documents across this group.

Contacts

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Freshness

1 program has direct verification dates.

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Canonical carrier group: risk-placement-services-rps