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Brokerage operation

Public Entities

We have more than 40 years' experience working with cities, counties, special districts, schools and colleges throughout the US. And we’re here to put all that knowledge behind your success.

A safe pair of hands for protecting public entities

Insurance coverages public entities and schools need can be more difficult to procure than others.

From a one-time consulting project to comprehensive underwriting and policy administration services for workers' compensation, liability and property pools, we provide a wide range of services for public entity clients.

Governmental building downtown

Who we serve

Cities, counties, special districts and school systems throughout the U.S.

Teacher with elementary students in classroom

Available coverages

  • Volunteer emergency responders to provide benefits in addition to workers’ compensation benefits 
  • Coverage for sports activities and other programs sponsored by public entities (available for specific activity/program or a schedule of activities during the policy year) 

  • Coverage for public officials and other public entity employees to comply with statutory requirements. 
  • Coverage for fraud, deception, social engineering, etc. 

  • Primary and excess cyber liability offering
  • Security and privacy liability
  • Regulatory action
  • Network interruption
  • Event management
  • Cyber extortion
  • Reputation guard 

Protects businesses’ and employers’ assets against fiduciary-related claims of mismanagement of a company’s employee benefit plans. 

National Flood Insurance Program (NFIP) coverage for exposures in all flood zones, including those designated by FEMA as high risk Special Flood Hazard Areas.

  • Commercial construction
  • Remodeling
  • Installation floaters

  • Medical malpractice for clinics and related non-hospital exposures 
  • Other professional liability, including D&O 

  • Monoline property 
  • Windstorm 
  • Earthquake 

Several coverage options are available to protect against the risks associated with events.

  • Weather insurance - covers financial loss due to an event cancellation because of predetermined weather conditions. The financial loss can occur from reduced ticket sales, lower concession income, appearance fees, equipment rental, etc.
  • Event cancellation insurance - Protects against cancellation, abandonment, postponement, interruption or relocation. Causes may be power failure, damage to venues or lack of access, flood or earthquake, adverse weather conditions, non-appearance of key individuals, and so on.  This also covers the financial loss aspect.
  • Liquor liability - Provides liability coverage for claims related to the selling/consuming of liquor.  Damages stem from claims usually involving intoxicated people. Business that sell liquor can be held liable for injuries their intoxicated patrons do to themselves, or for accidents determined to be the fault of someone intoxicated.
  • Tenant user liability - Covers the event and activities held by a tenant at rented premises and provides liability coverage arising out of the use of the premises by the declared tenant. It protects the tenants/users and the premises owner against claims from third parties who may experience an injury or obtain property damage as a result of participation in the covered event

Pollution insurance to meet the statutory coverage requirements for entities that have petroleum storage tanks (apply to both underground and above ground tanks) 

  • Terrorism 
  • Kidnap & ransom 
  • Active shooter 
  • Excess liability 
  • Workers compensation

Learn more about our solutions

As a brokerage operation, we help public sectors find the insurance solutions necessary in today's landscape.

Discover our other solutions

Our wide range of solutions provides protection on more fronts. No matter how complex, no matter the scale, we strive to leave no stone unturned in covering our clients.

Automotive Dealerships

Targeted, rounded solutions that keep pace with the automotive industry’s emerging risks.

Builders Risk

Protects buildings under construction from fires, theft, natural disasters and much more.

Business Owners Policy

Specialty insurance for small and midsize businesses, covering essentials like property damage and business interruption.

Contractors Equipment

Broad inland marine coverage for direct physical damage and loss to mobile machinery and equipment used for construction projects and other activities.


Designed for a whole host of cyber threats, such as cybercrime, system damage, business interruption and even court attendance costs.

Design, Construction & Consultants

Far-reaching and flexible solutions for design and construction professionals. Includes professional liability; errors and omissions and property and casualty.

Developers Errors & Omissions

Protects against the complex risks that come with real estate development services. Offers the flexible coverage developers need to navigate today's risk landscape.

E&S Property and General Liability

Excess and Surplus coverage for unique and hard-to-place risks. Available to a broad appetite across several industries.


Protects against major damage to homes, businesses and personal property caused by floods. Includes an industry-leading, web-based flood portal and access to real-time flood policy insurance.

Forest & Logging

Competitively priced coverage for property, general liability, including loggers broad form property damage, commercial auto, inland marine and umbrella coverage.

General Liability

From artisan contractors to fitness instructors, we offer essential and comprehensive protection against injury, illness and property damage for businesses.

Kidnap, Ransom & Extortion

Available to practically any type of company or high net worth individual. We provide guidance on predicting and preventing these events - plus access to a leading international crisis response firm.

Miscellaneous Professional Liability

Protects against claims arising from professional malpractice. Covers a breadth of industries from advertising to surveyors, with limits up to $5m.

Non-Profit Management Liability

Protects non-profits' directors, employees, volunteers and more from a wide selection of risks. These include directors' and officers' liability, employment practices liability and other vital coverages.

Private Company Management Liability

Privately held organizations are vulnerable to a whole host of allegations. Our program provides D&O, EPL and several other essential coverages to help protect private companies.

Public Entities

We have a wealth of experience working with cities, counties, special districts, schools and colleges across the US. We're focused on providing underwriting and administrative services to public entity pools – and helping retail insurance brokers in finding markets for their public entity and school clients.

Real Estate Errors & Omissions

Real estate transaction risks are always on the move. Our insurance keeps up with flexible coverage for real estate agents, brokers, appraisers and more.


If you're a small to midsize US insurer, we offer a number of programs to support your risk portfolio. With first-rate financial strength ratings, you know you're in safe hands.

Workers' Compensation

Top-tier wage replacement and benefits for employees who've been injured at work. Features super reactive claims services and limits of up to $1m.