About

About Community Transit Insurance Program (CTIP)

The Community Transit Insurance Program (CTIP) was established to offer transit agencies a turnkey solution for all essential insurance lines. Whether you need protection for vehicles, property, liability, workers’ compensation, or specialized transit exposures, CTIP delivers the expertise and flexibility your agency requires.

Comprehensive Liability Protection

CTIP provides essential primary liability coverage tailored to the needs of community transit systems. For agencies requiring higher liability limits, we have partnered with Transit Insurance Group (TIG)/TransitRE to deliver additional reinsurance capacity. This partnership ensures that your agency can access the appropriate level of protection, no matter how complex your operations or risk profile may be.

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: Base coverage from CTIP with higher limits available through TIG/TransitRE reinsurance.
  • 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 small businesses or professionals 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

  • 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 the state.
  • RPGs cannot self-insure; they must purchase insurance from an insurer.
  • Not all states interpret or regulate RPGs the same way.
  • Must adhere to both federal law and individual state filing requirements, which can vary.
  • Not suitable for property insurance—only liability lines qualify.

What Will the RPG Provide?

  • Claim Handling Services – The RPG will provide a dedicated TPA to adjust all claims from zero to your designated retention (deductible). The TPA will be an important partner in our program to help us efficiently manage any and all claims up to the defined retention level.
  • Credible Coverage – Backed by A rated insurance carriers licensed to do business in the US.  
  • Simplified Renewals – Streamlined and stable renewals through a single source.
  • Risk Management Services – Including assessments and action plans together with loss trending and driver training support.