Municipality Insurance
Protecting Public Service, Infrastructure, and Community Trust
Municipalities and public entities operate in a high-stakes environment—balancing complex regulations, public accountability, tight budgets, and the ongoing demand to provide critical services. One incident, lawsuit, or system failure can disrupt not only your operations but the well-being of the community you serve.
At Fern Rock Insurance Agency, our Municipal Practice Unit delivers tailored risk management strategies built specifically for cities, boroughs, townships, counties, and authorities. We help safeguard your assets, personnel, and mission—so you can focus on what matters most: your community.
What Is Municipality Insurance?
Municipality Insurance is a specialized, integrated solution that combines essential coverages to address the distinct risks facing public entities. Our program includes:
- General Liability & Property Coverage – Protection for municipal buildings, public spaces, and third-party liability claims
- Law Enforcement Legal Liability (LEL) – Covers claims involving police misconduct, excessive force, and civil rights violations
- Public Officials & Employment Practices Liability (EPLI) – Shields elected and appointed officials from personal liability related to governance and HR actions
- Infrastructure, Public Works & Fleet Protection – Coverage for road maintenance, utilities, heavy equipment, and municipal vehicles
- Cyber Liability – Defends against breaches, ransomware, and the exposure of sensitive public records and resident data
Why It Matters
Public-sector organizations face a unique set of risks that private businesses don’t—heightened transparency, political pressures, and a broad range of responsibilities that impact daily life. Without comprehensive coverage, even a minor claim can lead to major consequences.
Our Municipal Insurance solutions help ensure:
- Protection for public officials, departments, and assets
- Continuity of essential services following disruptions or lawsuits
- Defense against employment and civil rights claims
- Compliance with ever-changing state and federal regulations
Who Needs This Coverage?
We proudly serve a wide range of public-sector entities, including:
- Water and Sewer Authorities
- Transit and Redevelopment Authorities
- Volunteer Fire and EMS Departments
- Parks and Recreation Boards
- Municipal Utility Providers
- Planning, Zoning, and Code Enforcement Offices
From small townships to large city agencies, if your organization serves the public—you need a partner who understands the public sector.
Why Partner with Fern Rock?
Our dedicated Municipal Practice Unit doesn’t just sell insurance—we collaborate with you to build a full-circle risk strategy that evolves with your organization. We:
- Understand the legal, political, and operational pressures you face
- Tailor coverage to your department structure, assets, and exposures
- Provide responsive claims support when issues arise
- Stay ahead of legislation and trends impacting public entities
You focus on your public mission—we’ll protect the systems and people behind it.