Practice Units in Beaver, Pennsylvania
Industry Expertise. Specialized Solutions. Proven Results.
At Fern Rock Insurance Agency, we understand that no two industries face the same risks. That’s why we’ve built specialized Practice Units—dedicated to the unique challenges, regulations, and operational demands of the sectors we serve. Each unit is staffed by experts who speak your language, understand your pressures, and deliver insurance strategies built for your world.
Explore our core Practice Units:
Education
From K-12 districts to career and technical centers, educational institutions face complex risks—from student safety and employee liability to property damage and transportation exposures. Our Education Practice Unit brings decades of experience in:
- Public and private school risk programs
- Abuse and molestation coverage
- Athletic and extracurricular liability
- School bus and fleet safety programs
- Workers’ compensation and return-to-work solutions
We collaborate with superintendents, business managers, and boards to create comprehensive programs that protect students, staff, and school assets.
Transportation
Whether you’re moving people, equipment, or freight, your business depends on vehicles—and vehicle-related risk. Our Transportation Practice Unit understands the pace and pressure of the industry and delivers:
- Commercial auto and fleet coverage
- Motor carrier and logistics liability
- DOT compliance support and loss control
- Driver training and safety program development
- Claims advocacy for high-severity events
From local and regional routes to long-haul operations, we help transportation clients keep wheels turning—and risk in check.
Municipalities
Public entities operate under heightened accountability, evolving regulations, and lean budgets—all while delivering essential services to their communities. Our Municipal Practice Unit is built to support the unique needs of cities, boroughs, townships, counties, and authorities with a fully integrated risk management approach.
We provide:
- General liability and property coverage
- Law enforcement legal liability (LEL)
- Public officials and employment practices liability (EPLI)
- Infrastructure, public works, and fleet protection
- Cyber liability for municipal networks and digital records
We serve a broad range of public-sector organizations, 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 boroughs to large cities and regional agencies, we bring the expertise and responsiveness your public mission deserves—so you can focus on serving your community while we protect your operation.
Human & Social Services
Organizations that serve others need partners who understand the sensitivity and complexity of their work. Our Human & Social Services Practice Unit supports nonprofits, residential care providers, and behavioral health agencies through:
- Professional and general liability solutions
- Abuse and molestation protection
- Property and auto coverage for community operations
- Workers’ compensation and incident management
- Risk training for volunteers, staff, and leadership
We help mission-driven organizations focus on their impact—while we focus on protecting their people, property, and purpose.