What does the Community Transit Insurance Program (CTIP) do?
The Community Transit Insurance Program (CTIP), administered by INSURICA Program Managers, manages the non-profit Risk Purchasing Group and provides insurance placement, claims administration, and risk management services to its members.
The program is designed to allow public transit systems to operate within a unified, member-owned structure, delivering consistent coverage, appropriate limits, and long-term stability tailored specifically to transit operations.
This structure is designed to reduce cost volatility and improve long-term value for participating transit agencies.
Can my current broker be involved?
The program is designed as a Direct-To-Transit System Solution to minimize distribution costs and deliver more competitive pricing to participating transit agencies.
While some agencies maintain broker relationships, participation by brokers is considered on a selective basis and must align with the program’s structure and objectives.
This approach ensures an efficient, cost-effective model that benefits all members. Appointments are considered on a case-by-case basis.
Do I need to perform a procurement to join a RPG?
Because the Risk Purchasing Group is a member-owned, non-profit structure, participation may not require a traditional procurement process.
However, requirements can vary by state. We recommend consulting with your legal counsel or procurement team to confirm any applicable guidelines.
Who is eligible to join the RPG?
Eligible members include:
- Governmental public transit systems
- Not-for-profit, federally funded transit providers
All members must meet underwriting, financial, and operational criteria established by the program.
Will this program cover other operations (e.g., daycare or senior centers)?
No. The RPG is specifically designed to cover transit-related liability exposures only.
Coverage for non-transit operations can be placed separately through CTIP in the traditional insurance market.
Will I be required to adopt a specific risk management program?
While there is no single mandated program, members are expected to maintain risk management practices consistent with Federal Transit Administration (FTA) requirements, including:
- Formal safety plans and risk management processes
- Driver hiring, training, and monitoring programs
- Drug and alcohol testing compliance
- Vehicle maintenance and inspection protocols
- Incident reporting and performance tracking
The program is built on FTA requirements, enhanced for program performance. These standards support safer operations, improved claims outcomes, and long-term program stability for all members.
What lines of coverage are included?
The RPG provides primary liability coverage for transit operations, including:
- Auto Liability
- General Liability
CTIP places ALL other additional coverages—such as auto physical damage, property, workers’ compensation, or other lines—outside of the RPG.
Will I have my own policy?
The program operates under a master policy structure, where coverage terms and conditions are standardized across all members.
Each member receives documentation reflecting their participation and coverage within the program. Liability limits are not shared between members; each member has dedicated liability limits and dedicated self-insured retention requirements.
What is required to join the program?
To become a member, your organization will:
- Submit an application for coverage.
- Complete underwriting review
- Accept coverage terms
- Execute membership agreements and adopt program bylaws
Membership runs concurrently with the 12-month policy period, with underwriting typically beginning 120 days prior to your renewal.