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INSURANCE MARKETS AGENCY INC
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INSURANCE MARKETS AGENCY INC
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Municipal General Liability Insurance

Municipal General Liability Insurance


Our Municipal General Liability Insurance program is designed for public entities in Pennsylvania and New Jersey. Offered by Insurance Markets Agency Inc, this program provides comprehensive general liability coverage tailored for a wide range of municipalities and special service districts. Whether you're placing coverage for a small borough or a county agency, our team brings the underwriting experience and market access needed to help you secure competitive and reliable solutions for your clients.

Ideal Accounts and Appetite

We specialize in working with public entities that have smaller to mid-sized populations. Our target accounts typically include:
  • Cities and towns with populations under 25,000
  • Counties with populations under 55,000
  • Special service districts with populations under 150,000
That said, we are open to reviewing accounts falling outside of these thresholds on a case-by-case basis.

Types of Public Entities We Write:

  • City and County Governments
  • Towns, Villages, Boroughs, and Townships
  • Public Fire and Emergency Response Services
  • Police and Sheriff's Departments
  • Transit and Park Police, and other government law enforcement services
  • Water and Sewer Districts
  • Irrigation, Library, Highway, and Recreation Districts
  • Community Development Boards and other special service districts

Coverage Highlights and Advantages

Our policy includes valuable coverage enhancements designed specifically for the exposures faced by public entities:
  • Legal liability for Fire, Lightning, and Explosion incidents
  • Bail Bond Coverage
  • Bodily Injury including Mental Anguish
  • Reimbursement of reasonable expenses plus up to $1,000 for insureds required to testify
  • Blanket additional insureds included at no extra charge
  • Modified notice of occurrence provision
  • Liquor liability included for short-term events
  • Professional liability for EMTs and paramedics built into the policy
  • Good Samaritan coverage
  • Watercraft liability up to 51 feet
  • Modified wording for engineers and architects
  • Employee benefits liability included
  • Volunteers automatically included as insureds

Underwriting Notes and Minimum Premiums

This program is written on a non-admitted basis with access to a variety of carriers, allowing us to craft flexible solutions for unique municipal risks. Our minimum premium starts at $525, making it accessible for even the smallest public entities. We also offer the ability to package municipal accounts to include:
  • Property
  • Auto
  • Law Enforcement Liability
  • Public Officials Liability
  • Employment Practices Liability
  • Umbrella coverage

Territories and Availability

We currently offer this program in the states of Pennsylvania (PA) and New Jersey (NJ). If you have risks in these states that fall within our appetite, we encourage you to reach out to discuss placement opportunities.

Why Work With Insurance Markets Agency Inc

As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc brings decades of experience in placing complex municipal risks. Our team—including Ryan, Bill, Peter, and Joe Tierney—is ready to assist you with responsive service, underwriting insight, and access to reliable markets. We understand the unique liability exposures faced by public entities and can help you present solid coverage solutions to your municipal clients.

Frequently Asked Questions

What types of accounts are a good fit for this program?

We target small to mid-sized public entities, including cities under 25,000 population, counties under 55,000, and special service districts under 150,000. Typical accounts include townships, boroughs, fire departments, and water or sewer authorities.

Can this program be packaged with other municipal coverages?

Yes, we can package accounts to include property, auto, law enforcement liability, public officials liability, EPLI, and umbrella coverage.

What states is this program available in?

This program is currently available in Pennsylvania and New Jersey.

Is there a minimum premium requirement?

Yes, the minimum premium starts at $525, making it accessible for smaller public entities.

What kind of coverage enhancements are included?

The program includes professional liability for EMTs, Good Samaritan coverage, blanket additional insureds, liquor liability for short-term events, and more.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A- or Better
  • Commission:
    Varies
  • Min Premium:
    $525

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CONTACT INFORMATION

LOCATION

261 east grove street
clarks summit , PA 18411
570-586-1471
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