The coverages shown here are a brief overview of the comprehensive coverage NPIP offers. The terms and conditions offered may differ from your prior policy and from what you requested in your submission. This information is not intended to be used as a direct reflection of all coverages or to replace or alter coverage in any way.
To protect the program against any catastrophic claim, NPIP purchases an excess insurance policy to cover losses that exceed the self-insurance layer. In addition, NPIP’s assets are protected against an abnormally high frequency of claims that may occur during a given year through its aggregate stop loss policy. This helps ensure the amount paid towards claims is capped in any one year and will likely never exceed a predetermined amount.
Supplemental Coverage Applications
expand_moreHousing or Care
expand_moreSexual Abuse & Molestation
expand_moreTrades or Vocations