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Common Insurance Coverage Needs for Public Entities

From a small public library to the largest police district, government agencies come in all different sizes and types. These entities often engage in risk sharing pools as a solution, but also may need additional excess liability coverage. Regardless if the need is for full or excess coverage, an insurance strategy for public entities must be nimble and encompassing to ensure proper coverage for all types of scenarios. Ansay develops relationships with all our clients to understand all their unique organizational or personal needs, and makes sure they are filled. 

In general, public entity insurance needs are similar to the coverage required of businesses, with the main difference being degree of coverage rather than type of coverage. The standard insurance coverage types for public entities include:

General Liability

Injuries/property damage occurring on public property or while engaging with public work or activities. 

Public Officials Liability

Covers an individual’s legal liability and litigation expenses for injury or property damage occurring while in performance of official duties.

Cyber Insurance

Data breach coverage reimburses public entities for costs associated with notifying those affected, public relations and more when a cyber attack occurs.

Law Enforcement Liability

Provides coverage for injury or property damage due to a wrongful act occurring in the course of conducting law enforcement duties.

Workers’ Compensation

Ensures fair reimbursement to both employee and employer for wages lost or costs incurred due to work related accidents.

Automotive Insurance

Covers damages and medical costs resulting from vehicle accidents and protects public entity assets from being held as restitution for liabilities.

Property Insurance

Protects and manages risk of damage to a public entity’s physical assets and critical equipment.

Coverage for all types of Public Entities

Ansay offers a variety of insurance solutions for the public sector, including:

  • Transit Authorities
  • Utilities
  • Municipalities
  • Tribal Organizations
  • Law Enforcement
  • K-12 Public Schools
  • Public Officials
  • Housing Authorities
  • Others
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Public Sector Risk Management & Consultation Services

Understanding the special risks associated with operating a public entity is the first step to getting budget friendly, effective insurance. Ansay’s team of experts take a relationship-centered approach to identify the needs of public entities and design and monitor coverage programs offering the optimal protection for those who protect and serve us. Our consultation services and products include:

Ansay RiskPro

A web-based tool capable of generating risk mitigation strategies, centralizing incident tracking and SDS management, while hosting a wide range of HR tools to minimize incidents and maximize efficiency.

Explore RiskPro

Benefits Plan Consulting

Assistance in choosing buying and administering employee benefits to draw and retain more workers to serve the public faithfully.


Explore Public Employee Benefit Plans


Our digital insurance tool used to identify a public entity’s area of expertise and connect them with their ideal partners at Ansay to craft and monitor the best plan possible.

Explore NichePro

Frequently Asked Questions

Public Entity Insurance

What is considered a public entity?

Public entities are generally government-run organizations and agencies that serve its constituents and are paid for through taxation. They typically fall under one of three categories: government, education and servicing districts. Examples include: public schools, police departments, transportation & infrastructure, public utilities, libraries and port authorities.

What is public entity insurance?

Because of the wide range of risks public entities face, public entity insurance must encompass multiple facets and may come in a broad variety of combinations. Typical insurance needs of public entities include general and professional liability, employee compensation, property insurance, surety bonds, auto insurance, casualty and more.

What is Group Health Insurance?

Group health insurance is often referred to an employer health plan and is offered to employees as part of a benefit package. Group plans vary in what is and is not covered and how much an employee must pay in. Groups besides employers may also be eligible.

What are public entity risk pools?

Similar to private risk pools, a public entity risk pool is a method of risk management where a group of government entities band together to finance the various risks they’re exposed to. These public risk pools developed in the 1970’s and 1980’s when commercial insurers started limiting coverage and even leaving the public market entirely in servicing liability and workers comp. Public entity risk pools can often be more nimble than traditional markets, especially if there is strong member buy-in. 

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