Ideal Accounts and Appetite
This program is designed for small to mid-sized public entities seeking reliable coverage and proactive risk management. Target accounts include:
- Municipalities – Towns, villages, and cities with populations under 100,000
- Counties – Counties with populations under 500,000
- Public Schools – K-12 districts with average daily attendance of 35,000 or fewer
- Special Districts – Water, utility, and other public-purpose districts
You might have clients such as a regional school district struggling with EPL and educator liability protections, or a township looking for combined property and law enforcement coverage. This program is built to handle those exposures.
Coverage Highlights and Advantages
Trident offers broad protection across multiple lines, making it easy for you to place complex public-sector accounts with confidence:
- General Liability
- Law Enforcement Liability
- Public Officials Liability
- Auto Liability and Auto Physical Damage
- Excess Liability / Umbrella
- Property and Allied Lines
Additional strengths include access to niche coverages via multiple carriers, expert claims handling specific to public entity exposures, and complimentary risk control tools via a secure client portal.
Underwriting Expertise
Each submission is reviewed by underwriters focused solely on public entities. This ensures nuanced understanding of governmental operations, local ordinances, and unique liability exposures. Trident’s flexible underwriting approach allows for customized solutions based on the needs of local agencies and institutions.
Territories and Admitted Status
Coverage is available on an admitted basis in most states, with wide geographic reach across 48 jurisdictions including DC. States include CA, TX, FL, NY, IL, PA, and many others. This broad availability allows you to confidently serve clients across diverse regions.
Why Work With Argo Group and Trident Public Risk Solutions
With deep specialization in public-sector risks, Trident offers a level of insight and responsiveness that generalist markets may lack. Their commitment to service includes dedicated claims professionals, streamlined quoting through appointed brokers and agencies, and a strong distribution network spanning national and local reach. Whether you're looking to place a single municipality or a school district portfolio, Trident provides the tools, stability, and experience to support your success.
Contact us today for more information or to get a quote: [email protected]
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for municipalities under 100,000 population, counties under 500,000, public K-12 school systems with fewer than 35,000 students, and special districts such as water or utility authorities.
What coverages are included in the Public Entities & Schools Insurance program?
Available coverages include general liability, law enforcement liability, public officials liability, auto liability and physical damage, property, excess liability, and more.
Are these policies written on an admitted basis?
Yes, the program offers admitted coverage in most states through A.M. Best “A” rated carriers within Argo Group and other secure markets.
Which states is this program available in?
The program is available in most U.S. states including CA, TX, NY, FL, IL, and many others, covering 48 jurisdictions including DC.
Do you offer any risk control resources?
Yes, Trident provides free access to online risk control tools and resources through a secure client portal to help clients reduce exposures and manage claims effectively.
Need help placing an account? Connect with a market specialist.