Big, small, groups of public entities, we have comprehensive experience for all lines coverage including: General liability, Crime, Workers Compensation, Property, Law Enforcement Liability, Inland Marine, Public Officials Liability, Employment Practices Liability, Property including Flood and Quake, Cyber, Equipment Breakdown and more.
Have a particular problem with a difficult account? We can show you creative solutions for one or all of the lines of coverage.
Examples of Creative Solutions:
Case #1 – Crushing Flood Premiums because a town was in a FEMA flood plain. We had a special satellite study conducted that showed the high valued properties were actually at high elevations relative to the entire flood plain. The study was conducted for minimal cost by graduate interns from a major university’s geography department. The property premiums were subsequently reduced.
Case #2 – A large public entity pool wanted cyber coverage for its members but didn’t want to special assess each member. Most of the markets wanted individual applications for over 600 members. We profiled the members and got a well-known insurer to provide the coverage without individual applications for a reasonable cost.
Case #3 – A large municipality was looking for coverage to protect the spouses of police personnel who might be liable for damages including punitive as a result of awards not covered law enforcement insurance. We found a market and produced a quote.