At IPSI, we know that providing local governmental entities with the right insurance protection starts with a thorough understanding of how they operate. When you work with us, you are working with seasoned professionals who are experienced in addressing the unique needs of Public Entities.

We have developed a sizable portfolio of Public Entity business encompassing a wide variety of risks and lines of coverage.

IPSI currently has a number of markets for small, medium and large accounts. First dollar, small deductible and large deductible/self-insured options are available. Most programs can include all lines of coverage.

• First Dollar Programs
• SIR or Deductible Programs
• All Lines Aggregate Programs

Eligible Entities include:

• Cities & Townships
• Counties
• School Districts

Available Coverages can include: Property & Inland Marine, General Liability, Automobile Liability, Crime Cover, Law Enforcement Professional, Public Officials Liability and Workers Compensation.

• First Dollar programs can carry deductibles as low as $500 for some of your smaller Public Entities.
• SIR or Deductible program retentions normally start at $5,000 and can vary by line of coverage.

The "All Lines Aggregate" Program -

• Minimum SIR of $25,000 on all lines ($100,000 Work Comp SIR)
• Annual Aggregate Stop Loss over all coverages. (Allows the budgeting of the maximum annual cost)
• Unbundled TPA services

To learn more about our Public Entity practice please click this link...