Public Sector, Municipal & Education

Protecting institutions that serve the public every day

Republic Insurance Group provides specialized insurance and risk management solutions for public entities, municipalities, and educational institutions—designed for environments with public accountability, regulatory oversight, and long-term community impact.

Coverage structured for governmental and public entity exposure
Experience with boards, councils, and public officials
Claims advocacy for high-profile and sensitive incidents

Public entities across rural and regional America

We work with local governments, public entities, and educational institutions, including:

Cities, towns, and municipalities
Counties and special districts
Public works and utilities
Law enforcement and emergency services
School districts and charter schools
Community colleges and educational institutions
Public boards, commissions, and authorities
Libraries, parks, and recreation departments

Public bodies face unique liability, employment, and governance risks that require specialized insurance structures.

Core Coverage Solutions

General Liability

Premises and operations liability
Public interaction and third-party exposure
Parks, facilities, and public events

Public Officials Liability (POL)

Claims against elected and appointed officials
Allegations involving governance, policy, and decision-making
Coverage for boards, councils, and administrators

Employment Practices Liability (EPLI)

Discrimination, harassment, and wrongful termination claims
Public-sector employment considerations

Law Enforcement Liability (When Applicable)

Police and sheriff operations
Use-of-force allegations
Detention and prisoner transport exposure

Auto & Fleet Coverage

Public works vehicles and equipment
Law enforcement and emergency vehicles
School and activity transportation

Property & Infrastructure Coverage

Administrative buildings and campuses
Public works facilities and depots
Schools, gyms, and auditoriums
Equipment, contents, and improvements

Workers’ Compensation

Municipal and public employees
Classification for diverse job functions
Employer liability protection

Umbrella & Excess Liability

Additional limits over core coverages
Often required for public entity risk tolerance

Where exposure is highest

Public sector and education entities face broad, visible risk, including:

Bodily injury and property damage to the public
Employment practices and civil rights claims
Law enforcement and public safety liability
Student and participant injury
Facility and infrastructure losses
Auto and fleet accidents
Governance, oversight, and decision-making exposure
Public scrutiny and reputational risk

Our focus is protecting public funds while ensuring continuity of essential services.

Why Republic Insurance Group

A stewardship-focused approach to public insurance

Public sector insurance fails when advisors don’t understand accountability, transparency, and public trust.

Our approach:

1. Entity & exposure review
We assess operations, public interaction, and statutory responsibilities.

2. Coverage architecture
General liability, officials liability, EPLI, auto, and property aligned.

3. Governance & compliance awareness
Coverage structured to support boards, councils, and administrators.

4. Claims advocacy
Hands-on support during high-visibility or politically sensitive claims.

What public entities value most:

Clear guidance and documentation
Coverage that protects leadership and taxpayers
Advisors who understand public accountability

Protection for learning environments

Educational institutions often require:

Student injury and accident coverage
Abuse & molestation liability
Athletic and extracurricular exposure
Transportation and field-trip risk
Cyber and student data privacy protection
Board and administrative liability
Coverage must align with student safety, parental expectations, and regulatory oversight.

Frequently Asked Questions

1) Do public officials have personal liability exposure?
Yes. Public officials liability coverage is critical.

2) Are law enforcement activities covered under general liability?
Typically no. Separate law enforcement liability is required.

3) Do schools need abuse & molestation coverage?
Often yes, especially for student interaction and supervision.

4) How are volunteers covered?
Volunteer coverage must be structured intentionally.

5) Can insurance help manage public scrutiny after incidents?
Yes. Proper coverage includes defense and claims support.

6) How often should public entity insurance be reviewed?
Annually, or when services, leadership, or facilities change.

Insurance built for public trust.

From municipalities and counties to schools and public institutions, Republic Insurance Group delivers insurance solutions designed to protect public resources and community mission.