Special Districts Program

Retained Limits Liability & Following Form Excess Liability

APR’s Special Districts Program provides tailored liability solutions designed specifically for the diverse needs of special districts nationwide. With dedicated underwriting expertise, specialized forms, and deep knowledge of the public-sector landscape, our team delivers clear, responsive, and customized options for a wide range of special district exposures.

A downloadable marketing packet is available for your convenience. We welcome the opportunity to work with you.

Download Marketing Packet

Program Appetite:

We consider a wide range of Special Districts including but not limited to the following:

  • Development Districts
  • Drainage Districts
  • Electric Utilities (Wildfire Exclusion)
  • Emergency Call Centers
  • Fire Districts
  • Flood Control Districts
  • Housing Authorities
  • Irrigation Districts
  • Office/Premises – Insured Occupied
  • Office/Premises – Lessor’s Risk
  • Oversight/Funding/Planning Committees
  • Park Districts (Public and Private)
  • Reclamation Districts
  • Road/Bridge/Tunnel Service Districts
  • Sewer Utilities
  • Soil and Water Conservation Districts
  • Solid Waste Authorities
  • Special Taxing Districts
  • Water Utilities

In addition to the above, we can also consider non-traditional special district risks with unique and unusual operations. Examples of these risks can be found in our downloadable marketing packet.

Attachments & Limits:

  • Minimum Attachment: $100,000
    Maximum Attachment: $20,000,000 (State and risk-specific variations may apply)
    Maximum Limits: $5,000,000

  • Minimum Premium: $50,000

Coverage Forms Available:

  • Special District Retained Limit Liability Policy; or
    Special District Following Form Excess Liability Policy

Coverage Lines:

General Liability, Public Officials Liability, Employment Practices Liability, Automobile Liability, and Employers Liability

Coverage Triggers:

Occurrence and Claims-Made

Paper:

Non-Admitted, AM Best Rating “A-” IX

States:

Nationwide (except Louisiana)

What We Cannot Consider:

  • Municipalities and Counties
  • Schools: K-12 schools, community colleges, and universities (both public and private)
  • Transit (bus or rail)
  • Pools (group risks)

Submission Requirements:

  • Prior 10 years of ground-up and excess carrier loss runs valued within 90 days of the effective date
  • Special District applications for all applicable lines of coverage and exposures
  • Current Budget and Financial Statement
  • Vehicle schedule

Submission Inbox:

APR-ALTsubmissions_SpecialDistricts@alliedpublicrisk.com

Underwriting Contacts: