Alternative Practice

Allied Public Risk’s Alternative Practice specializes in underwriting Public Sector exposures that are written with self-insured retentions (SIR) of at least $50,000. We have the capability to deliver both insurance and reinsurance products to Public Sector clients, with a broad appetite that includes municipalities & counties, K-12 school districts and community colleges, special service districts, water districts, fire districts, park districts, and pools/JPAs.

Coverage Highlights

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

Significant primary and excess capacity is available depending on the risk profile of the Public Entity client and loss history:

  • Casualty capacity offered to $11 million depending on account characteristics.
  • Additional casualty capacity may be afforded on selected accounts via Allied World’s Excess Department;
  • Excess casualty limits are issued on a following-form basis in order to provide the client with the benefit of the highly customized coverage features of the primary policy form.
  • Any qualified third-party administrator (TPA) will be considered subject to evaluation of their capabilities.
  • Self-administered claims by the entity may also be acceptable subject to evaluation of staff experience and capabilities.

Pooling Appetite

With the ability to offer reinsurance nationwide, Allied Public Risk brings several unique advantages to the pooling segment:

  • Creative, innovative approach, with the capability to provide stop-loss aggregates, corridor deductibles, differing attachment points by line of business, differing limits by line of business, on either a “policies attaching” or “occurring” basis.
  • No-charge assistance with premium allocation per member by credentialed actuary.
  • No-charge assistance with program design, meant to minimize dollar-trading and maximize risk transfer, through simulation, by credentialed actuary.
  • No-charge assistance with drafting and review of pool coverage language for selected pools reinsured by Allied World Assurance Company.
  • Reinsurance offered on either a “risks attaching” or “losses occurring basis”.
  • Team members are available to interface on a variety of technical issues with pool clients as deemed appropriate by the producing source.


  • Margaret Zechlin

    Executive Vice President – Alternative Practice Head