A municipality comes across your desk. On paper, it looks promising: The size is right, the account is well managed, and renewal is coming up.
So, is it an EMC fit?
There’s a good chance it’s worth a conversation.
Public entities are a broad category, and while many share similar exposures, no two risks are exactly alike. A town of 2,000 people and a city of 15,000 are both municipalities—but their operations, services, and loss experience can look very different.
That’s why the best first step isn’t filling out a submission. It’s having a conversation.
If a municipality, school, or other public entity opportunity catches your eye, bring in your EMC sales team or underwriter early. We can help you look at the entity and its exposures and determine whether it makes sense to pursue together.
Where’s the sweet spot?
EMC has a well-established appetite for public entities. Some of the opportunities that tend to fall within our sweet spot include:
- Municipalities serving populations of 1,000–15,000, with larger populations considered in some areas
- K–12 and charter schools with up to 15,000 students
- Water and sewer districts
But those aren't hard lines around our appetite. Larger municipalities, schools, and other types of public entities may still be worth a conversation. The individual risk matters, which is why we’d rather talk through a promising opportunity than have you rule it out based on a number or entity type alone.
And if it is a fit?
That's where experience becomes especially important.
Public entities are one of our largest industry segments, representing more than $500 million in written premium across 6,000+ accounts. That book has given our underwriting, claims, and risk control teams plenty of opportunities to see what can make these accounts different—and what can help keep them stable over time.
That experience has also shaped coverage specifically for public entities, including a proprietary property form with built-in coverages and program structures that may include educators' professional, public officials, and law enforcement liability coverage within the umbrella.
But coverage is only one part of the equation.
Public entities tend to think in years, not transactions. Budgets are planned. Leadership changes. Communities grow. Exposures evolve. Having claims, underwriting, and risk control teams who understand that environment can matter long after the policy is placed.
And that's ultimately what we're looking for, too: Public entity relationships built to last.
So, back to that municipality.
Is it an EMC fit?
It could be. If an opportunity looks promising, we want to explore it with you.
Before you spend time building the submission, connect with your EMC sales team or underwriter. We'll look at the geography, entity, and exposures together and help determine whether it makes sense to take the next step.