Public Entity Insurance Program from MAXIMUM
MAXIMUM offers a focused Public Entity insurance program designed for smaller municipalities and special service districts. As a wholesale broker with access to a mix of admitted and non-admitted markets, MAXIMUM enables independent agents and brokers to place hard-to-place public-sector accounts with flexible solutions. Whether you need coverage for a small city, a rural county, or a unique public entity, MAXIMUM can help tailor terms to the client’s exposures.
Ideal Accounts and Appetite
This program targets a range of smaller 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 placements include a small town with volunteer emergency services, a rural county seeking consolidated property and fleet protection, or a local water district needing liability and equipment coverage. If you represent public-administration clients with specialized exposures, this program is intended to serve those needs.
Coverage Highlights and Advantages
MAXIMUM’s Public Entity program offers broad coverage options to address common municipal exposures. Available lines include:
- Property
- Inland Marine
- General Liability
- Crime
- Equipment Breakdown
- Auto Liability & Physical Damage
- Umbrella
Professional liability options are also available, such as:
- Law Enforcement Liability
- Public Officials Liability
- Employment Practices Liability
These coverages help protect public entities from operational losses, employee-related litigation, and civil-rights exposures commonly faced by law enforcement and administrative functions.
Underwriting Notes and Carrier Access
MAXIMUM places this program through a network of both admitted and non-admitted carriers, providing flexibility to match state requirements and the risk profile. Underwriters experienced in municipal exposures work with agents to structure terms for accounts with unusual or complex risks. Typical submission materials include completed applications, loss runs, and details on operations and services provided by the entity. Contact MAXIMUM for specific submission requirements and state-specific guidelines.
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 wholesale brokerage partner with deep experience in public-sector risk. Agents benefit from access to multiple markets and underwriters who understand municipal operations and exposures. MAXIMUM’s team focuses on responsive service, practical underwriting, and competitive turnaround times—helpful when you need to place challenging municipal or special-district accounts.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is best for cities under 25,000 population, counties under 55,000, and special service districts such as transit, water, and park authorities.
What coverages are included in the Public Entity program?
Available coverages include Property, General Liability, Inland Marine, Crime, Auto Liability, Umbrella, Equipment Breakdown, plus 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; placement depends on the state and the specific risk characteristics.
Is this program available in my state?
The program is offered in most U.S. states. Contact MAXIMUM to confirm current availability for your state and the particular exposure you are submitting.
What information is needed to submit a risk?
Typical submissions include completed applications, current loss runs, and information about operations, facilities, and fleet. Reach out to MAXIMUM for any carrier-specific or state-specific requirements.
Need help placing an account? Connect with a market specialist.