https://completemarkets.com/company/Amwinsunderwriting/Public-Entity-Insurance-Program/
Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds.
Program overview
Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities.
Ideal accounts and appetite
Municipalities (cities, towns, counties)
Public schools and higher education institutions
Special districts and service authorities
Public housing authorities and municipal utilities
Pools and joint powers authorities seeking programmatic solutions
You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate.
Coverage highlights and advantages
Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers.
Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise.
Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states.
Underwriting notes and placement considerations
Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements.
Territories and availability
Programs are available nationwide. States of availability include: 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, DC, WV, WI, WY.
Why place public entity business with Amwins Underwriting
Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures.
(*We work with pools and individual public entities)
Frequently Asked Questions
What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp.
Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting.
What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable.
Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements.
Need help placing an account? Connect with a market specialist.