RPS Lexington : Risk Placement Services, Inc.

RPS Lexington

Locations RPS Lexington

RPS Lexington

220 Lexington Green Circle

Suite 600

Lexington, KY 40503

Serving: FL ,IL ,IN ,KY ,MD ,MO ,NC ,OH ,TN ,VA ,WV

Type: Branch

Main Telephone: 859.245.2500

Fax: 859.245.2550

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RPS Lexington houses both a Binding Authority and Open Market Brokerage operation. The Binding operation has both Personal Lines and several distinct Commercial Departments - Property & Casualty, Commercial Auto and Garage. The Brokerage operation serves a diverse array of business segments with particular specialty in Fleet Auto, Real Estate, Hospitality, Environmental/Energy, Manufacturing, Contractors and Healthcare.

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Please feel free to get in touch with us any time regarding our products and services. We love to receive feedback from our customers.

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Casualty

When it comes to placing Property & Casualty coverage, RPS, a leading nationally focused wholesale insurance broker, knows the best markets and coverage terms to secure for your clients, reflected by the more than $3.4 billion of premium we place annually. We adhere to the highest professional and service standards, meeting the needs of our retail providers. Our goal is to continue to be “your wholesaler of choice.”

Aviation

RPS' aviation experts offer Airplane, Helicopter & Ag coverage nationwide for piston, turbine, jet, and individual & fleet. Our experts can competitively insure virtually any aircraft / pilot combination from light sport aircraft to the largest airline fleet. Our broad aviation insurance experience and large volume of business has enabled us to develop and maintain preferred relationships with all of the premier aviation insurance companies in the industry.

Drones / Unmanned Aerial Systems

Drones have a wide variety of applications that touch almost every industry. RPS’ Drones/Unmanned Aerial Systems product covers activities like border surveillance and suspect tracking, agricultural applications and weather research, communications/broadcasting, disaster response, real estate mapping, and mail/freight transport.

The RPS team takes several things into consideration during the underwriting process, including the overall professionalism with which the operator is embarking on UAS operations, the capabilities of the model to be operated, the experience and training of the operator, what the UAS will be used for, and the environment in which it will be operated (i.e. proximity to persons or property). The product will evolve as the market and regulatory environment continues to change.

Energy

The Energy sector encompasses a broad spectrum of industry niches – from oil and gas operators and petrochemical operations to alternative and renewable energy companies at the forefront of the sector’s transformative innovation and breakthrough technologies. RPS, one of the largest MGA/Underwriting Manager/Wholesalers in the country, partners with top-tier providers to provide custom solutions for this high-value, high-risk, and rapidly expanding space. Our depth and scope of knowledge combined with our experience and coast-to-coast network of brokers gives you the power to secure seamless and nimble coverage solutions that address the increasingly complex and interrelated risks in the Energy industry.

Environmental

The environmental specialists at RPS, a leading Managing General Agent/Underwriting Manager and nationally focused wholesale insurance broker, are poised to help you create those protective positions. We leverage a network of experts from coast to coast to provide customized insurance policies that address the day-to-day operational exposures for all types of clients, including those involved in high-hazard Construction activities, the Petroleum products industry, the Transportation sector and a wide variety of Manufacturing segments, and other environmentally sensitive operations. We partner with quality admitted and non-admitted markets to protect an insured’s assets and reputation in the event of an environmental disaster.

Hospitality

From liquor liability to food contamination, fire damage, broken equipment, pollution liability, slips and falls, wage-and-hour disputes, and cyber threats, a smorgasbord of risks about for which we can provide a full menu of Hospitality insurance products. Our palate is broad, so we relish insuring everything from diners and family style restaurants to fine dining, fast food operations, pubs, cafés, and caterers.

The experienced staff at RPS has access to high quality markets, so we can assist you in securing the coverage and amounts specific to the type and size of the restaurant operation, its workforce, offerings, and services. We will help you uncover coverage deficiencies that may exist, such as food spoilage due to a power outage and data breach exposures arising from point-of-sale hacks, and provide you with the answers to satisfy any insurance questions in your client’s program.

Manufacturing

The Manufacturing sector* contributed $2.17 trillion to the U.S. economy in 2015, and is made up of many industries including petroleum, steel, automobiles, aerospace, telecommunications, chemicals, electronics, food processing, consumer goods, lumber, and mining, among others. There are currently 12.32 million manufacturing workers in the U.S, which accounts for 9 percent of the workforce. Expectations are that over the next decade nearly 3.5 million manufacturing jobs will likely be needed.

RPS, a leading Managing General Agent/Underwriting Manager and nationally focused wholesale insurance broker, is committed to supporting the future of the manufacturing industry and its continued growth. We offer insurance and risk management solutions that provide comprehensive protection to address the industry’s exposures, mitigate risk, minimize losses, and drive down the total cost of risk.

Personal Lines

RPS, a leading Managing General Agent/Underwriting Manager and nationally focused wholesale insurance broker, offers retail agents and brokers access to a full line of Personal insurance products from best-in-class quality providers to help differentiate you in a highly competitive market, expand your reach in underserved risks, and capture market share in profitable segments. We can help you insure everything from mobile homes to condos and luxury homes to rentals, vacation homes, time shares, and properties under construction.

You can also leverage our national relationships with top-tier Personal Lines markets to secure coverage for difficult-to-place risks, such as coastal or vacant properties, and to supplement your insured’s program with stand-alone earthquake, DIC coverage, or Flood and Excess Flood insurance. In addition, we can assist you in insuring all the fun stuff – from classic cars to ATVs and watercraft.

ATV / Motorcycle / Watercraft

The RPS Personal Lines team provides expertise and coverage options for a variety of recreational vehicles including motorcycles, ATVs, snowmobiles, touring, mopeds and custom bikes, utility vehicles, trikes, sport bikes, antiques, and watercraft.

Dwelling

Available nationwide, RPS Personal Lines’ Dwelling products offer a la carte coverages to be tailored to a customer’s needs.

Mainly focused on occupied, one- to four-family residential dwellings, RPS Personal Lines also specializes in dwelling classes outside the traditional market including cancelled or non-renewed dwellings, builders risk, renovations, seasonal occupancies, unprotected risks, low and high values, owner or tenant occupied, and vacant.

Homeowners

Whether it’s coverage for a one- or two-family owner-occupied/owner-secondary home, a renter, or a condominium unit owner, the RPS Personal Lines experts have a Homeowners coverage solution for every situation.

Utilizing ISO forms (HO-3, HO-4, HO-6, and HO-5 all available), RPS Personal Lines specializes in risks with prior losses or declinations, lower-value homes in good condition, high value homes, no prior insurance, new purchases, homes in distressed markets or in the name of an LLC, as well as CAT-exposed coastal properties.

Jewelers Block

RPS’ Jewelers Block coverage protects against physical loss or damage to precious and semi-precious stones, jewels, jewelry, precious metals and other related property typical to the jewelry trade, including property of others entrusted to the insured or property of an insured entrusted to others.

Mobile / Manufactured Home

RPS provides both property and liability coverage for almost all types of Mobile/Manufactured Homes, writing homes on an individual basis as well as large schedules for both personal and commercial clients.

Personal Umbrella

RPS Personal Lines offers Personal Umbrella products for additional financial protection and peace of mind in the event of an unforeseen occurrence, tailoring coverage amounts to best fit a client’s needs and budget.

Property

We broker business to every viable property market and rank among the top five for production with the "key markets”, possess unparalleled expertise in establishing hard-to-place layered and shared property placements, and write in excess of $500 million in property premium volume annually.

Real Estate

The unique and complex risks faced by property owners, developers, and investors range from environmental risks involving land acquisitions and construction issues to regulatory and contractual risks, terrorism threats, brand reputation challenges, data breaches, and property and liability exposures, among others. At RPS, a leading Managing General Agent/Underwriting Manager and nationally focused wholesale insurance broker, we understand what is needed to address these and other risks, and provide insurance solutions for the broad spectrum of industry sectors that fall within the Real Estate class of business. This includes retail centers, commercial office buildings, industrial, warehouse, and mixed-use facilities.

Transportation

RPS provides a broad spectrum of Transportation coverage solutions for operators of commercial trucks, commercial autos, public fleets, and the many industry niches that fall within each industry sector. The insurance products and risk management services we provide for the Transportation sector are designed to navigate blind spots, mitigate and transfer risk, drive down costs, and optimize operations.

Business Auto

RPS provides customized Business Auto coverage for accidents, damage, theft and other covered expenses. The RPS team of risk control professionals provides safety resources and training, and experienced adjusters provide 24-hour claim services to help clients quickly get back on the road.

Applications

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Commercial Supplement

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Commercial Auto Fleet

Excess Auto

Transportation can be a complex and tricky market, and RPS’ expert transportation team aims to give clients peace of mind via its Excess Transportation product.

Garage

RPS’ Garage products cover the unique needs of auto dealerships, repair shops and related businesses. The RPS team of transportation experts offers Garage Dealers/Service Risks, Garage Liability, Garagekeepers (GKLL), Dealers Open Lot, Property Coverages, and Scheduled Autos.

Hired & Non-Owned

RPS offers a competitive nationwide Hired and Non-Owned auto coverage product for hard-to-place risks, covering any type of fast food or other restaurant delivery (including food delivery, food couriers, and caterers) as long as there is no time guarantee.

Restaurants with staff delivering food using a personal vehicle, whether the staff member is an employee or independent contractor, have a Hired and Non-Owned coverage exposure. Additionally, food couriers—those that pick up food from multiple restaurants and then deliver—are becoming a popular service across the nation and must be covered whether the delivery person is an employee or an independent contractor.

Motorcycle Repair Shops

RPS’ Motorcycle Repair Shops product covers the unique needs of that line of business.

Motor Truck Cargo

Motor Truck Cargo insurance product provides legal liability coverage for truckers, protecting the insured and the cargo, regardless if the insured is transporting their own commodities or hauling freight for someone else.

Occupational Accident

Transportation can be a complicated business. RPS’ Occupational Accident insurance provides benefits for eligible on-the-job accidents that owner/operators or contract drivers sustain while on dispatch with a motor carrier, protecting them from economic hardships following an occupational injury.

While there are instances where the risks are required by law to be covered by Workers Compensation, Occupational Accident coverage is designed as a flexible alternative that offer cost savings to the carrier and the independent contractor.

Coverage includes Survivors Benefits, Temporary Total Disability, Accidental Death, Dismemberment and Paralysis, Accidental Medical and Dental Expenses, Permanent Disability, and Non-Occupational Accident.

Public Auto

The RPS team can help with a variety of Public Auto risks including taxis, shuttles, buses, vans or limousines.

Applications

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Commercial Supplement

Trucking

Designed specifically for for-hire truckers, the RPS Trucking product provides owner/operators and fleet owners comprehensive coverage through our premier specialty carrier, rated A+XV by A.M. Best.

Targeted risks include couriers; distressed accounts; local, intermediate, & long haul (single truck to large fleets); monoline physical damage; motor truck cargo (package or monoline); nontrucking (bobtail) and preferred truckers.

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CommercialAuto_CarolinaCasualty_01

Commercial Supplement

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