As local government specialists with a deep understanding of property and casualty insurance solutions, we know how to properly protect your assets. Our team of insurance specialists consistently delivers customized protection and services to safeguard your community and all of its unique needs.

Our target classes include: cities and towns; counties; non-rail transit; public water districts; sanitation districts; fire districts; emergency response; other publicly funded districts.

Our deep familiarity with the public sector means we understand your exposures and provide tailored coverages to mitigate your liability. Our insurance coverages include:

General Liability

  • Bodily injury and property damage
  • Personal and advertising injury
  • Healthcare and social services liability
  • Failure to suppy (optional coverage)
  • Sexual abuse (optional coverage)

Public Officials Liability

  • Wrongful acts
  • Employee benefits administration
  • Third-party harassment
  • Claims-made or occurrence options

Employment Practices Liability

  • EEOC
  • Back wages
  • Employee harassment

Law Enforcement Liability

  • Law enforcement wrongful acts
  • Coverage for prosecuting activities, sanctioned off-duty activities and third-party harassment


  • Liability
  • Physical damage
  • Tailored coverage extensions including:
    • Commandeered vehicles
    • Customized vehicles
    • Reasonable force exception


  • Building and business personal property
  • Business income
  • Crime
  • Cyber vandalism
  • Equipment breakdown
  • Comprehensive additional coverages including inland marine options

Excess Liability

  • Available for all casualty lines