Public Entity Pool

Excess Liability

We're here to help local public entities reduce risks and stabilize costs, saving taxpayer dollars.

Managing risks for operating our communities

Applied Specialty Underwriters offers Excess Liability solutions for public entity pools, reciprocals, trusts, and JPAS. We offer these products nationwide through appointed wholesale and reinsurance intermediary brokers.

Coverage provided by AM Best rated 'A' (Excellent) carriers, Financial Size Category XI.

Coverage Details-Excess

  • General Liability

  • Incidental Medical Malpractice

  • Auto Liability

  • Employment Practices Liability

  • Police Professional

  • Employee Benefit Liability

  • Public Officials E&O

  • Sexual Misconduct Liability

  • School Board E&O


Coverage follows Pool Memorandum of Coverage (MOC) subject to additional stated exclusions, terms, and conditions:

  • Reinsurance: Facultative Reinsurance Certificate

  • Reinsurance Contract (participation on I&L basis and quota-share with other markets)

  • Follow Form Excess Policy Over MOC (available in most states)

  • $10M Minimum Attachment: Will consider limited capacity Excess of $5M on a risk-specific basis


We look to opportunistically write risks in the following classes:

  • Municipalities (townships, villages, and boroughs)

  • Schools (K-12 and community colleges)

  • Special Water Districts (water, sewer, park districts, etc.)

  • Transit Districts (no rail)

Ineligible Classes

  • County Pools (standalone)

  • Nonprofit & social services

Limits Available:

  • Up to $2.5M

Submission Requirements

  • Pool underwriting application or equivalent information

  • Pool retention, member limit profile, premium, carrier/reinsurer history

  • 10 years currently-valued loss data by line of business

  • 10 years currently-valued large loss detail with claim narratives

  • Historical exposure data equivalent to loss data (payroll, revenues, ADA, schools)

  • Current audited financials

  • Current actuarial report and rate change analysis (if available)

Contact us to learn more.

We're here to help.

Contact Us

55 West Monroe Suite 1550 Chicago, IL 60603

Products are offered through Applied Risk Services, Inc.; New York License Number 937411, doing business as Applied Specialty Underwriters LLC

©2022 Applied Specialty Underwriters, LLC., Rated A (Excellent) by A M Best.