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Kinsale’s Success with Public Entity Accounts

Recent Public Entity Wins: Fast Response and Creative Underwriting

Our Public Entity Division has found creative and successful solutions for several hard-to-insure Public Entity accounts over the past year.

You can add your Public Entity accounts to our growing list of wins!

• Township with population of 21,500: Township looking for Public Official Liability with EPL. Account was nonrenewed for claims activity. Our underwriter investigated the municipality and its claim activity before providing $1M Public Official Liability with EPL policy.
  • Total policy premium: $31,800
  • Annual budget: $2M
  • Total employees: 94

• City with population of 4,500: City looking for Public Official Liability with EPL. Account was nonrenewed after existing carrier began restricting coverage for renewals; account also had significant claims activity. Our underwriter investigated the municipalities claim activity before providing $1M Public Official Liability with EPL policy.
  • Total policy premium: $33,600
  • Annual budget: $9.8M
  • Total employees: 51

• Municipal Fire Protection District: A Fire Protection District was seeking Excess EPL coverage over $5M underlying policy. Insured had one recent claim. Our underwriter delivered a $3M x $5M Excess Public Entity policy.
  • Total policy premium: $5,500
  • Total employees: 153

• Municipal Building Authority: A County Building Authority, which assists local governments plan, acquire, finance, construct, and manage their building projects, was seeking Excess coverage after its existing carrier cut back the underlying policy upon renewal. Our underwriter wrote a $5M x $5M Excess Public Entity policy for the Authority, which currently manages 23 properties.
  • Total policy premium: $7,500
  • Managed properties: 23 municipal properties
  • Total employees: 114

Our target classes for Public Entity accounts include:

• Commissions
• Parks & recreation departments
• Special boards
• Special districts
• Special purpose government units (e.g.: water/sewer districts)
• Other types of public entity risks

Kinsale has solutions for your hard-to-insure Public Entity accounts.