Public Entity Insurance

Huntleigh McGehee: Finding Solutions for the Complex Insurance Needs of Public Entities

More than ever, having a comprehensive insurance program is essential to the operations of schools, municipalities, counties and their agencies. State and federal courts have removed many immunities public entities once enjoyed, creating a wide range of significant property and casualty exposures.

Like businesses and many organizations, public entities need the same basic types of coverage, including property, general liability, automobile and workers compensation. But because of their broad operations, public entities may have exposures in a variety of other specialized areas, including:

Police and Fire Department Liability
Ambulance Professional Liability
Employment Practices Liability
Public Officials Liability (Errors and Omissions, Negligence)
States Attorney Liability
Road Design and Maintenance Liability
Social Service Liability
Special Events Liability
Employee Theft

The professionals with Huntleigh McGehee's Public Entity Department have the experience to meet your needs and the access to leading insurers that allows us to obtain the best possible value in your insurance program. As your risk management partner, we will assist you in these three key phases of the insurance process:

Evaluate and analyze your exposures
- In-depth review of your activities and operations
- Analysis and qualification of current exposures
- Assessment of all possible insurance options
Design, develop and implement your program
- Design a plan of insurance, self-insurance and risk management to protect all areas of exposure
- Solicit the widest variety of proposals from the insurance marketplace
- Determine areas where training and risk management procedures can reduce losses
- Analyze all insurance options and proposals for accurate presentation to the client
- Implement the program selected by the client
Provide continuing Service
- Respond to daily service needs
- Interpret coverages
- Claims reporting and follow-up
- Collect and analyze claims tracing data
- Contract and policy review
- Hold harmless agreements/other party indemnification
- Analyze effectiveness of coverage of others
- Proactive monitoring of insurance mergers, acquisitions and other special project needs
- Statistical studies, premium allocation, subrogation review and monitoring
- Handle requests for certificate of insurance

With insurance and risk management becoming more complex and challenging, getting the right advice on coverage is crucial to public entities. Huntleigh McGehee is uniquely qualified to develop and manage the insurance program that best meets your needs.