Our Underwriters draw on decades of experience, management and leadership in the highly specialized Public Entity market.  We offer "First Dollar" (Guaranteed Cost) and "SIR" (Retained Limits) products to meet the needs of varied Public Entities.


  • Cities under 100,000 Population
  • Counties under 250,000 Population
  • Special Service Districts (i.e. Sewer & Water, Library Districts, Parks & Recreation, etc.)


  • Commercial General Liability
  • Business Auto
  • Professional Liability - Police (Occurrence and Claims-Made)
  • Professional Liability - Public Officials with Employment Practices Liability (Claims-Made)
  • Umbrella Liability
  • Commercial Property
  • Commercial Inland Marine
  • Commercial Crime


  • Auto - Fleet Automatic
  • ISO Coverage Forms with Public Entity Enhancements (Auto, General Liability, Property)
  • Liability - Broadened Named Insured
  • Liability Limits - Primary up to $2,000,000
  • Liability Limits - Umbrella up to $5,000,000
  • Liability Sublimits - Abuse or Molestation, Failure to Supply, Limited Pollution, Sewer Backup
  • Property - Limits up to $25,000,000 Per Location


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