Public Entity Insurance Program from MAXIMUM
MAXIMUM offers a comprehensive Public Entity insurance program designed specifically for smaller municipalities and special service districts. As a wholesale broker with access to a variety of admitted and non-admitted markets, MAXIMUM provides independent agents and brokers with flexible solutions for hard-to-place public sector accounts. Whether you're looking to insure a small city, rural county, or unique public entity, MAXIMUM can help you secure the right coverage tailored to your client’s needs.
Ideal Accounts and Appetite
This program is well-suited for a variety of public entities, including:
- Cities with populations under 25,000
- Counties with populations under 55,000
- Special service districts such as transit authorities, water districts, and park districts
Typical clients may include a small town with a volunteer police force, a rural county needing coverage for public buildings and vehicles, or a local water district seeking liability protection. If you have clients in public administration with specialized risk profiles, this program is built to serve them.
Coverage Highlights and Advantages
MAXIMUM’s Public Entity program offers a broad range of coverage options to support the complex and varied exposures of public sector organizations. Available lines of business include:
- Property
- Inland Marine
- General Liability
- Crime
- Equipment Breakdown
- Auto Liability & Physical Damage
- Umbrella
Professional liability coverages are also available, including:
- Law Enforcement Liability
- Public Officials Liability
- Employment Practices Liability
These coverages help protect public entities from operational risks, employee-related litigation, and civil rights exposures common in law enforcement and administrative functions.
Underwriting Notes and Carrier Access
MAXIMUM underwrites this program through a network of both admitted and non-admitted carriers, allowing for flexibility depending on the risk profile and state-specific requirements. Most states are supported under this program. The underwriting team is experienced in handling municipal exposures and can work with agents to customize terms for unusual or complex accounts. Contact MAXIMUM for details on specific submission requirements.
Territories and Availability
The Public Entity program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With MAXIMUM?
MAXIMUM is a trusted wholesale brokerage partner with deep expertise in public sector risks. By working with MAXIMUM, agents gain access to a wide range of markets and customized solutions for small to mid-sized public entities. Their underwriting team understands the unique liability and property exposures of local governments and is committed to responsive service and competitive turnaround times. If you're looking to place challenging municipal or public district business, MAXIMUM is ready to help you deliver value to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for cities under 25,000 population, counties under 55,000, and all types of special service districts such as transit, water, and park authorities.
What coverages are included in the Public Entity program?
Coverages include Property, General Liability, Inland Marine, Crime, Auto Liability, Umbrella, Equipment Breakdown, and key professional liability options like Law Enforcement and Public Officials Liability.
Are admitted carriers available for this program?
Yes, MAXIMUM works with both admitted and non-admitted carriers, depending on the state and risk characteristics of the account.
Is this program available in my state?
The program is available in most U.S. states. Contact MAXIMUM to confirm current availability for your specific state and risk.
What information is needed to submit a risk?
Typical submissions include completed applications, loss runs, and operational details. Contact MAXIMUM for specific submission guidelines.
Need help placing an account? Connect with a market specialist.