Excess Public Entity

Program Summary

  • Excess Liability for Public Entities in all States, including:
    • Counties, Municipalities
    • Public School Districts, Community Colleges,
    • State Colleges and Universities
    • Public Utilities
    • Public Transit Districts
    • Other Public Agencies and Special Districts
    • Pools and JPAs comprising risks listed above
  • Minimum Attachment Point: $5,000,000
  • Target Limits up to $2,000,000 excess of underlying
  • Follow Form Excess and Reinsurance of MOCs
  • Can write either Excess of Loss or Quota Share

Application Requirements

  • Completed Public Entity and appropriate Supplemental Applications
  • Minimum 10 years’ currently valued, uncapped, first dollar loss data (in Excel format) from the Insured or insureds’ TPA (including losses incurred within the SIR)
  • Currently valued Carrier Loss Runs
  • Large Loss Summary (details of all losses over $500,000)
  • Expiring program structure and pricing
  • Underlying quotes and/or binders
  • Most recent Budget or CAFR and Financial Ratings
  • Additional information required for Pools:
    • Exposure data for all members
    • Copy of MOC and Membership Agreement
    • Complete list of members
    • Most recent Actuarial Study
    • Details of risk management, claim management, loss control, safety, etc. services offered to the members

Excluded Classes

  • Charities, Non-Profit Organizations
  • Hospitals, Nursing Homes, Assisted Living Facilities
  • Private Schools, Colleges
  • Private Utilities
  • Religious Institutions
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