Municipality & PublicEntity Insurance
Specialized coverage for cities, counties, school districts, and public authorities. Public officials liability, law enforcement coverage, cyber protection, and workers' comp—safeguard taxpayer dollars and govern with confidence.
Protecting the Public Trust with Specialized Coverage
Municipalities and public entities form the backbone of our communities, providing essential services that impact citizens every day. However, this public service role comes with a unique and complex set of liabilities, from public officials' decisions and law enforcement activities to the management of public spaces and employee safety. AGEMA Insurance Solutions offers specialized insurance and risk management programs designed to protect the public trust, safeguard taxpayer dollars, and allow public servants to govern effectively.
The AGEMA Advantage
for Municipalities
Public entities require an insurance partner with a deep understanding of governmental operations and sovereign immunity. We provide the specialized expertise and market access needed to navigate this complex landscape.
Public Sector Specialization
Our team has dedicated experts who focus exclusively on the needs of municipalities, counties, school districts, and other public entities. We understand the political, legal, and financial challenges you face.
Comprehensive Risk Management
We go beyond insurance placement to provide proactive risk management services, including policy review, safety training for public employees, and guidance on mitigating high-risk exposures like law enforcement and public works.
Broad Market Access
We have strong relationships with top-rated insurance carriers that specialize in the public entity sector, allowing us to provide comprehensive and competitive programs tailored to your specific needs.
Public Entity Risks We Specialize In
Our expertise covers a wide range of public and special-purpose entities.
Essential Insurance Coverages for Municipalities
We design integrated insurance programs that address the diverse exposures of public entities.
Public Officials Liability
A critical coverage that protects elected and appointed officials from personal liability for their decisions and actions while serving the public.
Law Enforcement Liability
Essential for any entity with a police force, this covers claims of misconduct, excessive force, and other liabilities arising from law enforcement activities.
General Liability
Protects the entity from claims of bodily injury or property damage occurring on public property or resulting from public operations.
Public Entity Management Liability
A package policy that can combine Public Officials Liability with Employment Practices Liability, covering claims of discrimination, harassment, and wrongful termination.
Cyber Liability
Protects sensitive citizen and employee data from breaches and covers the significant costs of responding to a cyberattack.
Workers' Compensation
Provides mandatory benefits for the diverse range of public employees, from office workers to first responders.
Govern with Confidence and Security
Your mission is to serve your community. Ours is to protect it. Contact us today for a comprehensive, no-obligation review of your municipality's risk management program.