Public Entity Insurance

Governments, Cities, States, Counties, Universities, Police, and more…

Public entities are committed to serving communities and keeping them safe. All Risks, Ltd. provides public entity insurance to protect cities, colleges, police departments and state governments from property and casualty risks. We work with A.M. Best “A-” or better-rated carriers to address your clients’ specific needs. Contact an All Risks public entity insurance specialist today to learn more about coverage options!

Target Classes

  • Cities
  • Counties
  • Independent School Districts
  • Police
  • Colleges and Universities
  • State Governments

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact an All Risks Public Entity Insurance Specialist.

Submission Requirements

  • ACORD form
  • Supplemental application will vary by risk
  • 3-5 year loss runs

Find an Application

Submit a Risk


  • CAT/Non CAT schedules
  • Full Wind Capacity available to the water
  • Manuscript coverage forms specific to entity


  • Low SIR package options including:
    • General Liability
    • Automobile Physical Damage
    • Auto Liability
    • Sexual Abuse/Harassment
    • LEL
    • Crime
    • Cyber
    • Terrorism
  • A.M. Best “A-” or better markets
  • Admitted and non-admitted carriers
  • Available nationwide
  • Monoline and package available
  • Minimum premium: $50,000
  • First dollar options for select municipalities and counties

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Collaborative Teams

Learn how we match our in-house resources to your business objectives.

Investing in Our Future

Nick Cortezi, CEO, explains how independence gives us a competitive advantage. Watch Now

Problem Solvers

Matt Nichols, President, explains how we add value to retail agent partners.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.