Unique coverage options for your tax funded entity.

The world of municipal insurance is constantly evolving. The Plastridge Agency Public Entity Division focuses on the unique exposures of tax funded entities. Public entities face property risks, unique liability exposures and employee benefits needs that are significantly different than those faced by commercial corporations and other types of businesses.


No two public entities are the same. Off the shelf products typically offered through most brokers fail to meet the complex requirements public entity risks need, to be properly covered. Providing public entities with the right insurance protection starts with a thorough understanding of your risk appetite and how you operate.


Our longstanding relationships with top tier insurers positions our agency to negotiate with and secure all of the unique coverages necessary for your tax funded entity.

Our public entity expertise offers tailored solutions specifically designed for:

• Municipalities
• Utilities
• Special Taxing Districts
• Community Redevelopment Agencies
• Water Management and Sewer Districts
• Schools and Universities
• Airports
• Park Districts
• Police and Sheriff Departments
• Ports
• Property
• Buildings and Contents
• Stand Alone Wind
• Earthquake and Flood
• Builders Risk
• Electronic Data Processing
• Towers and Communication Equipment
• Equipment Breakdown
• Inland Marine
• Mobile Equipment
• Emergency Services Equipment
• Communications Equipment
• Tools
• Leased, Hired, Borrowed Equipment

• Crime
• Employee Theft
• Forgery and Alteration Limit
• Computer and Frauds Transfer Fraud Limit
• Inside the Premises – Theft of Money and Securities Limit
• Outside the Premises Limit
• General Liability
• Premises / Operations
• Products / Completed Operations
• Damage to Rented Premises
• Employee Benefits Liability
• Personal and Advertising Injury
• Contractual Liability
• Sewer Back Up
• Pollution
• Failure to Supply Utilities
• Fire Department / EMT Operations
• Broad Form Name Insured
• Defense Costs in Addition to Limit of Liability
• Host Liquor Liability

• Public Officials Liability
• Civil Rights Violations
• Zoning Issues
• EEOC Defense
• Employment Relations Claims
• Loss of Compensation (Wages) Claims
• Licensing & Permitting Coverage
• Law Enforcement Liability
• Authorized Moonlighting
• Canine Exposure
• Civil Rights Violations
• False Arrest / Wrongful Imprisonment
• False or Improper Service or Process
• Automobile
• Fleet Blanket Coverage
• Take Home Vehicle Program
• Replacement Cost Coverage on Fire/Rescue Vehicles
• Hired/Non-owned Vehicles
• Watercraft
• Excess Liability
• High Limits
• Follow Form Coverage

Utilizing the technical expertise of our in-house risk management division we can support auditing your risk exposure and make recommendations for your overall property program.

Clear Advantage Risk Management

In addition to securing a comprehensive risk management program for our public entity clients, we can also develop employee benefit packages that will help manage your insurance costs. Utilizing our team approach we will work closely with your staff to develop a customized portfolio for your employee benefits such as group medical, dental, and disability insurance.

Contact us today to learn more about our Municipalities coverage.

Here when you need us.