Municipality and Public Entity Insurance
Cities, counties, and special districts place municipality and public entity insurance with AGEMA Insurance Solutions in Overland Park, KS.
Protecting the Public Trust with Specialized Coverage
Decisions by public officials, law enforcement, public property, and employee injuries can sit on the entity and sometimes on the official. We place insurance for municipalities and public entities around those exposures. The insurance carrier issues the policy and handles the claim.
In Kansas, claims against cities and counties are shaped by the Kansas Tort Claims Act (K.S.A. 75-6101 et seq.), and Missouri public entities have sovereign immunity rules in RSMo 537.600. Public officials and law enforcement liability coverage typically responds where those laws do not shield the entity.
Public-entity coverage on this page is part of our other commercial insurance lines.
The AGEMA Advantage
for Municipalities
A public entity file has to show what the entity operates, from the police department to the water district, before a carrier will quote it.
Public Entities
Our team focuses on public entity accounts. A submission has to reflect the legal and budget limits of a city, a county, a school district, or a special district.
Risk Management
We can review public-employee safety and talk through higher-hazard operations such as law enforcement and public works. What that review includes depends on the account.
Market Access
Public officials liability and law enforcement liability are written by a smaller set of carriers. We submit public entity accounts to established carriers and specialty markets that write that sector. Quoting more than one of them can change the premium and the terms.
Public Entity Risks We Specialize In
A city with a police department and a water district are not the same submission.
Essential Insurance Coverages for Municipalities
Cyber liability comes up when citizen or employee data sits on the entity's systems. It is one of the forms below.
Public Officials Liability
Public officials liability is designed to cover elected and appointed officials for decisions and actions they take while serving, depending on the policy and carrier.
Law Enforcement Liability
Law enforcement liability is designed to cover claims arising from police work, which can include allegations of misconduct or excessive force, depending on the policy and carrier.
General Liability
General liability is designed to cover bodily injury or property damage on public property or from public operations, depending on the policy and carrier.
Public Entity Management Liability
Some package policies combine public officials liability with employment practices liability for claims such as discrimination, harassment, or wrongful termination. Whether they are combined depends on the carrier.
Cyber Liability
Cyber liability is designed to help with a breach of citizen or employee data and with the cost of responding, depending on the policy and carrier.
Workers' Compensation
Required of many employers under state law. Workers' compensation is designed to provide medical and wage benefits for public employees, from office staff to first responders, depending on the state and the policy.
Coverage is subject to policy terms, conditions, exclusions and carrier underwriting.
Public Entity Coverage
We can read the current policies against the departments the entity actually operates.