Public Sector Products

Public and quasi-public entities face unique challenges requiring specialized skills of highly technical underwriters. Complexities ranging from civil rights exposures, employment practices, budget limitations, public disclosure, and public official scrutiny are encountered in a variety of byzantine and highly charged situations. Allied Public Risk is strongly positioned to address Public Sector exposures. Our team has an average of 25 years of experience in developing creative insurance solutions for this sector.

We were created to deliver innovative, responsive, and tailored protection to public and quasi-public entities. This delivery includes competitive pricing and broad coverage as well as meaningful underwriting expertise and risk management resources.

We understand that every entity has its own peculiarities, and we design products to fit client-specific needs. To this end, we have established two distinct underwriting practices:

Primary Practice

The primary team provides a comprehensive package of insurance coverage for cities, towns, villages, boroughs, counties, special service districts, water related entities, and emergency service organizations. We provide the following lines of business under our Primary Practice:

  • Property
  • Boiler & Machinery
  • Crime
  • Inland Marine
  • Auto Liability
  • Auto Physical Damage
  • General Liability
  • Public Officials Liability
  • Law Enforcement Liability
  • Excess Liability
  • Employment Practices Liability
  • Cyber Liability

Alternative Practice

The alternative team specializes in underwriting Public Sector exposures written with self-insured retentions (SIR) of at least $50,000. Our appetite includes municipalities & counties, K-12 school districts and community colleges, and special services districts. The following lines of coverage are offered on a portfolio basis:

  • General Liability
  • Public Officials’ Liability
  • Law Enforcement Liability
  • Educators’ Legal Liability
  • Automobile Liability
  • Employment Practices Liability
  • Following Form Excess Liability

Specimen policies are available upon request for coverage detail by line of business. Please contact any member of the underwriting team for additional information.