Municipal Insurance

We specialize in helping municipalities with their insurance and risk management. Municipalities have very different needs than those of businesses – and it takes a specialized team of insurance professionals to consult and help provide the appropriate protection. We understand the unique risk exposure municipalities and counties face every day. Our experienced team provides the guidance needed along with competitive pricing and outstanding service.

We provide a single source for all of your insurance and risk management solutions to eliminate any coverage gaps.

Highlights of our Insurance and Risk Management Programs for Municipalities Include:

  • Property
  • Blanket Limits
  • No Co-Insurance
  • Extended property enhancements
  • Independent property appraisal
  • Inland Marine
  • Replacement cost
  • Flood Coverage
  • Constructive loss at 75%
  • General Liability
  • Accidental pollution coverage
  • Full limits for Sexual Abuse and Molestation
  • Full limits on failure to supply (utilities)
  • Mutual Aid
  • Automobile
  • Additional $3,000 for attached equipment
  • Deductible reimbursement for officers and directors
  • Public Officials
  • Full limits for employment-related practices
  • Land Use — No deductible for defense (available)
  • Defense costs outside the limit
  • Law Enforcement
  • Consent to settle
  • No deductible for defense (available)
  • Hot pursuit
  • Department approved moonlighting
  • Full limits for Sexual Abuse and Molestation
  • Defense costs outside the limit
  • Excess
  • Up to $10 million limit




For more information or to obtain a free, no-obligation quote please call our team at 518-786-9905 or 888-250-6689 (toll free).