About CTIP

The Community Transit Insurance Program (CTIP) is managed by INSURICA Program Managers and powered by a non-profit Risk Purchasing Group (RPG) created specifically for public transit agencies and non-profit transit service providers. The RPG underwriting criteria may not be a fit for every community transit system today. For agencies that are not yet a match, CTIP also offers alternative program options designed to provide stable coverage now and help agencies strengthen safety, claims performance, and risk controls—positioning them to qualify for the RPG in the future. The program exists to serve members — not shareholders — keeping focus on long-term stability, safety, and cost control.

Comprehensive Liability Protection

CTIP provides essential primary liability coverage tailored to the needs of community transit systems. For agencies requiring higher liability limits, we partner with various transit-focused insurance carriers to provide primary coverage and, when needed, access additional capacity backed by reinsurance to support required excess liability limits. This approach helps ensure your agency can access the appropriate level of protection, aligned to your operations and risk profile

Community Transit Risk Purchasing Group (RPG)

As part of our commitment to cost efficiency and risk management innovation, the Community Transit RPG was formed as a non-profit entity. This group enables agencies to purchase liability coverage collectively and allows members the option to retain a portion of their risk—helping to manage claims proactively and reduce total insurance costs.

Key Benefits

  • All Lines Covered: Placement of every necessary line of insurance for transit agencies.
  • Primary & Excess Liability: Primary coverage with higher limits available through excess capacity supported by reinsurance as needed.
  • Flexible Program Options: Solutions for agencies that meet RPG criteria today, and additional pathways to help others prepare for RPG participation in the future.
  • Flexible Risk Retention: Non-profit RPG structure supports agencies that want to take more control of their risk.
  • Tailored Support: Specialized claims handling, loss control, and risk management from experienced transit experts.

What is a Risk Purchasing Group?

A Risk Purchasing Group (RPG) is a legal entity formed by businesses or individuals with similar liability risks that join together to purchase commercial liability insurance as a group. RPGs are allowed under the Federal Liability Risk Retention Act of 1986 (LRRA), which was enacted to make liability insurance more accessible and affordable, especially for organizations facing hard-to-insure exposures.

Key Features of RPGs

    • Risk Characteristics – All members of an RPG must be engaged in similar or related businesses or activities. This commonality in risk type is a requirement under the LRRA.
    • Purchasing, Not Assuming Risk – Unlike Risk Retention Groups (RRGs)—which retain and pool risk among members—RPGs do not assume risk themselves. Instead, they purchase coverage from licensed insurers on behalf of the members.
    • Federal Preemption – RPGs benefit from federal preemption of state laws that might otherwise restrict group insurance purchasing. However, they must still comply with certain state regulatory requirements, such as those related to filing, licensing, and financial reporting, depending on state. 

Requirements to Form an RPG

  • Similar Risk Requirement: All RPG members must be engaged in similar or related businesses or activities.
  • Purchasing, Not Assuming Risk: Unlike Risk Retention Groups (RRGs)—which retain and pool risk among members—RPGs do not assume risk. Instead, they purchase coverage from licensed insurers on behalf of members.
  • Federal Preemption (with State Compliance): RPGs benefit from federal preemption of certain state laws that might otherwise restrict group insurance purchasing; however, they must still comply with applicable state regulatory requirements (which can vary by state).
  • Liability Lines Focus: RPGs are designed for liability insurance; they are generally not used for property insurance.
  • No Self-Insurance: RPGs cannot self-insure; they must purchase insurance from an insurer.

What Will the RPG Provide?

  • Claim Handling Services: The RPG will provide a dedicated TPA to adjust claims from zero to your designated retention (deductible). The TPA will manage all CTIP claims—both inside and outside of the RPG—and will be a key partner in helping the program efficiently manage and resolve claims.
  • Credible Coverage: Backed by A-rated insurance carriers licensed to do business in the U.S. Typically, coverage is provided by non-admitted insurance companies
  • Simplified Renewals: Streamlined and stable renewals through a single source.
  • Risk Management Services: Including assessments and action plans, loss trending, and driver training support.