Public Entity Insurance

As a government agency or an organization that serves the public, you face enormous risks every day. Tokio Marine HCC offers a broad range of Property & Casualty insurance coverage to meet the needs of public entities. We will work with you to develop a tailored mix of coverage to address your unique exposures. Our program pricing and coverage plan is based on a municipality’s risk management plan, past claims and the operational experience of the municipality’s management.


Services include:

  • Regional representation
  • Risk control at no additional cost
  • Full claims service department
  • Programs tailored to individual needs
  • Regional attorney network

Target Insureds

  • Government entities (such as towns, cities, counties, villages, fire departments and task forces)
  • Utility districts
  • Housing authorities
  • Public libraries

Summary of Coverage

Tokio Marine HCC - Public Risk Group was established to serve the growing insurance and risk management needs of medium and large governmental entities throughout the states of Illinois, Indiana, Kentucky, Michigan, Missouri, New York, North Carolina, Ohio, Pennsylvania, South Carolina and Tennessee.

We provide the logical solution for municipalities. We virtually eliminate the need for shopping with a number of other insurance carriers. Our insurance programs offer a complete and competitive package program, tailored to meet the needs of each municipal client that we insure

Today, hundreds of villages, cities, townships and counties have joined this program and are enjoying the many coverage types and services offered.

Some of the primary coverage types provided include comprehensive municipal liability coverage; law enforcement professional liability coverage; equipment breakdown coverage; auto liability coverage; auto physical damage coverage; buildings and contents coverage; scheduled and unscheduled property coverage (inland marine); broad form crime coverage; elected or appointed officials resident or place of employment liability; special event liability; fire legal liability; public and private highways, roads, streets and sidewalk liability; cemetery professional liability; employee benefits liability and liquor liability.

Related Products

Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, the United Kingdom, Spain and Ireland, 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, a $31 billion company

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