Why choose IOA for public sector insurance?
IOA’s dedicated brokers understand the unique exposures of public entities, from police liability to environmental impairments. With deep industry expertise, we design comprehensive programs to mitigate risks to help you keep your organization running smoothly.
We go beyond insurance by providing tailored risk management solutions that address the evolving needs of municipalities, public utilities, and school systems. Our specialized policies cover a wide range of exposures, including workers compensation, professional liability, environmental liabilities, and cyberthreats.
Our brokers work closely with you to adapt your coverage to emerging risks and leverage our market power to secure comprehensive protection at competitive rates. Whether dealing with complex infrastructure or civil liability, IOA aids in ensuring your public entity is fully supported.
Our public entity insurance markets
Counties
Municipalities
Public school systems (K-12)
Public utilities
Special purpose districts
Public sector insurance products
IOA’s range of products for the public sector includes:
Aviation
Aviation insurance offers specialized protection for aircraft, including risks associated with commercial operations, private use, and aviation services.
Equipment breakdown
Equipment breakdown insurance protects businesses from financial losses from sudden and accidental machinery failures, including repair costs and interruption.
Business income
Business income insurance covers losses and ongoing operating expenses during disruptions caused by unforeseen events like natural disasters.
Commercial auto
Commercial auto insurance offers protection for business-owned vehicles, covering liability, physical damage, and risks unique to commercial transportation.
Crime
Crime insurance covers financial losses resulting from theft, fraud, forgery, and other dishonest acts committed by employees or external actors.
Commercial property
Commercial property insurance safeguards physical assets, including buildings, equipment, and inventory, against risks like fire, theft, and natural disasters.
Employers liability
Employers liability insurance covers workplace injury-related claims that are not covered by workers compensation.
Environmental
Environmental insurance safeguards businesses against liabilities related to pollution, contamination, and other environmental risks.
Commercial umbrella
Commercial umbrella insurance extends the coverage limits of primary policies, offering an additional layer of protection against large claims.
Excess liability
Excess liability insurance provides additional coverage above the limits of underlying policies, offering extended protection against high-value claims.
Fiduciary liability
Fiduciary liability insurance protects employers and plan administrators from claims alleging mismanagement of employee benefit plans.
General liability
General liability insurance covers bodily injury, property damage, and personal injury claims arising from business operations.
Inland marine
Inland marine insurance protects movable or specialized business property, such as equipment, tools, and goods in transit, against loss or damage.
Professional liability (E&O)
Professional liability (E&O) insurance protects professionals and businesses against claims of negligence, errors, or omissions in their services.
Bonds and surety
Bonds and surety insurance guarantee the performance or obligations of businesses, offering financial protection for contracts, compliance, or legal requirements.
Directors and officers
Directors and officers insurance protects company leaders from personal liability for decisions made on behalf of the organization.
Workers compensation
Workers compensation insurance covers employee medical expenses and lost wages resulting from work-related injuries or illnesses.
War and terrorism
War and terrorism insurance protects businesses from financial losses due to acts of war, terrorism, sabotage, or related political violence.
Cyber liability
Cyber liability insurance helps businesses recover from incidents like data breaches, ransomware, and regulatory penalties.
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