Public Entities
Managing Financial Risks: Essential Solutions for Financial Institutions
Explore critical strategies that safeguard assets, operations, and reputation.
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February 23, 2025
Large Public Entities & Governmental Risk Programs
Supporting School Districts, Municipalities, and Public Utilities with Intelligent Risk Management and Insurance Advisory
Public Entities operate within layered systems of public trust, regulation, and infrastructure risk. We deliver optimized insurance solutions to support financial protection, legal defense, and long-term operational resilience government sectors.
61%
of municipalities report increased litigation costs over the past five years.
$2.9T
U.S. local and state governments manage over $2.9 trillion in annual spending.
47%
of public entities face infrastructure claims tied to roads, water, or schools.
The Unique Risks Facing Public Entities
Municipalities, school systems, and public agencies face unique exposures spanning infrastructure, civil liability, and workforce risk-requiring comprehensive protection, regulatory alignment, and expert management of tax-funded operations and public trust.
Civil Liability and Wrongful Acts - Claims involving police force, employee conduct, or wrongful termination.
Infrastructure and Property Damage - Aging public roads, facilities, and utilities leading to costly claims.
Cybersecurity for Public Systems - Attacks on city systems, K-12 schools, and emergency response platforms.
Employment Practices and Union Disputes - Discrimination, harassment, and wage claims tied to public workforce and unions.
Catastrophic Events and Emergency Response - Natural disasters straining public infrastructure and emergency management budgets.
Custom coverage for public entities addresses reputational threats, systemic litigation, operational delays, and disaster recovery with precision-built programs aligned to each government agency's mission and scale.
Specialized Coverages for Public Entities
Public Entity Liability & Law Enforcement Coverage
Covers bodily injury, civil rights violations, and law enforcement misconduct.
Includes wrongful arrest, excessive force, and public employee defense.
Supports city, county, and public safety departments.
Property & Infrastructure Insurance
Protection for buildings, roads, equipment, and service fleets.
Coverage for strom, fire, vandalism, and utility failure.
Includes ordinance and law compliance extensions.
Employment Practices Liability Insurance (EPLI)
Defense for discrimination, harassment, and wrongful termination lawsuits.
Optional third-party coverage for public-facing services.
Tailored for unionized workforces and public education.
Cyber Liability for Public Systems
Covers ransomware, system interruption, and citizen data exposure.
Incident response and legal notification support.
Risk consulting for critical public IT infrastructure.
Catastrophic Event and Emergency Preparedness Coverage
Funding fo natural disaster and emergency operational recovery.
Includes debris removal, relocation costs, and overtime coverage.
Available for flood zones, fire-prone areas, and coastal cities.
Case Study
The Risks of Managing Essential Public Operations
Baltimore, MD
Ransomware Attack on City Systems
A cyberattack shut down city operations for weeks, disrupting billing, court systems, and payroll.
Paradise, CA
Wildfire Destruction of Public Infrastructure
The Camp Fire destroyed schools, municipal buildings, and critical systems, devastating a public agency's core assets.
Houston, TX
Flooding and Emergency Management Breakdown
Hurricane Harvey overwhelmed city systems and revealed coverage gaps in public infrastructure and disaster planning.
