Public Entity Insurance

Tokio Marine HCC – Public Risk Group offers one of the most comprehensive and cost-effective municipal insurance programs in the U.S. With more than 35 years of experience devoted exclusively to insuring municipalities, we are experts in municipal risk and understand the unique challenges facing public entities. 

Public Entity


  • Wide range of property and casualty coverages customized to the needs of your entity 
  • Extensive risk management services by public sector professionals provided at no cost
  • An outstanding claims program with an experienced and responsive team ready to assist in the event of a loss 

Target Insureds

  • Towns
  • Townships
  • Villages
  • Cities
  • Counties
  • Special Districts of All Types

Summary of Coverage

Since 1985, the Public Risk Group has safeguarded communities as a specialized provider of property and casualty insurance.

We work with a network of brokers and agents and take pride in assisting our insureds with the daily challenges and risks they face. We design customized insurance programs that are tailored to the needs of public entities

Risk Control Services

The Public Risk Group's dedication to serving municipalities extends beyond insurance.

Our risk control team of experienced public sector professionals provides a wide range of risk management consultative services.

By working with our team and following established risk control procedures and loss prevention techniques, you can:

  • Contain and control premium costs
  • Avoid unnecessary reputational harm to your municipality, its officials and staff 
  •  Identify potential problems
  •  Assure the long-term availability of coverages for your municipality
  •  Avoid disruptions in service
  •  Avoid claims

Our program includes:

  • HR Risk Management Resources
  • Contract Reviews 
  •  On-site Risk Control Assessments
  • Technical Assistance 
  •  Resource Materials
  • Workshops, Conference and Meetings 
  •  Special Events Risk Review


The Tokio Marine HCC Public Risk Group has been a leading provider of public entity insurance solutions for decades. 

Our experience and knowledge uniquely positions us to provide your public entity with the proven and innovative programs it needs today and tomorrow.


Related Products

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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