Public Entities

Interacting with the general public and representing a tax base exposes public entities to a variety of unique risks.

Our advisors expertly analyze your organization to develop a customized risk management and insurance solution that helps protect the public good while also supporting you in the event of a loss. Our municipal clients include cities, towns, villages, fire districts, fire companies, ambulance corps, and emergency rescue squads.

Amsure, in conjunction with the insurance company that underwrites your firm’s insurance program, provides the following specialized risk management products and services to our public entity clients:

Cities/Towns/Villages

  • Annual meetings to review and assess existing program
  • Updates on NYS laws affecting municipal insurance coverages
  • Driver Guidelines
  • Sample Risk Transfer Language
  • Analysis of Bid Specifications
  • Review of insurance certificates from bidders
  • Review of contracts in conjunction with legal counsel
  • Guidance on employee manual policies
  • Driver and Fleet Safety Handbooks
  • Insurer Loss Control Inspections
  • Free regional seminars on local government needs
  • Sample municipal policies and procedures
  • Advice on how to limit misappropriation of funds
  • Human resource advice through Think HR
  • 24-hour claim service

Emergency Services

  • Annual meetings with appropriate board(s) to review and assess existing program
  • Annual updates on the federal death benefit
  • Updates on state laws affecting services
  • Driver Safety Guidelines
  • Sample risk transfer language and advice
  • Free Online Training Programs
  • Information on applying for loans and grants
  • HR-related services including:
    • Reviewing and developing policies/procedures
    • Environmental, safety and OSHA compliance
    • Employee handbook assistance
  • Access to free EVOC courses
  • Work with architects on bid specifications
  • Review certificates of insurance from bidders and/or facilities users
  • 24-hour claim service

We provide the following insurance coverage to our public entity clients:

Cities/Towns/Villages

  • Blanket replacement cost on buildings and contents
  • Loss of Income and Extra Expense
  • Equipment Breakdown
  • Commercial General Liability
  • Umbrella/Excess Liability
  • Automobile/fleet insurance
  • Municipal Contractors Equipment
  • Dump Trucks (replacement cost if 10 years old or newer)
  • Crime and Bonding
  • Public Officials Liability (deductible applies to paid claims only – not defense)
  • Employment Practices Liability
  • Flood and Earthquake
  • Law Enforcement
  • Police cars (replacement cost if 10 years old or newer)
  • Certified Acts of Terrorism
  • Cyber Liability
  • Potable Water and Failure to Supply
  • Employee Benefits Liability

Emergency Services

  • Commercial General Liability
  • Mutual Aid Liability
  • Liability for Members
  • Medical First Aid Assistance Liability
  • Emergency Services Errors and Omissions Liability
  • Umbrella/Excess Liability
  • Loss of Income and Extra Expense (up to 24 months)
  • Guaranteed replacement cost on buildings/contents/non-apparatus equipment
  • Personal Effects of Volunteers
  • Drone Coverage
  • Automobile/Fleet Insurance
  • Replacement Cost on Fire Trucks
  • Emergency Apparatus Recertification Costs
  • Physical Damage to Firefighters’ Personal Vehicles
  • Group Accident and Sickness
  • Group Term Life
  • Certified Acts of Terrorism