American Public Entity Programs LLC, provides guaranteed cost program that specializes in the following risks:

  • Municipalities (villages, towns, townships, and cities) with populations under 100,000
  • Counties with populations over 250,000
  • Public K-12 schools and community colleges
  • Water and wastewater utilities (public systems)
  • Special Taxing Districts such as park and recreation districts, fire districts, soil and water conservation districts, and most other tax-supported entities normally contemplated within the budget of a public entity


American Public Entity Programs LLC can provide a custom designed retained limits structure for larger individual governmental entities and self-insured governmental pools, including:

  • Cities, counties, towns, villages, boroughs, townships, schools (K-12), colleges, universities, and technical/vocational schools
  • Single-purpose tax-supported entities such as park districts, recreation commissions, transit districts (ability to provide protection for light rail), housing authorities, water, sewer, irrigation, reclamation districts,or any other tax-supported entity normally contemplated within the budget of a public entity
  • Interlocal risk sharing pools (Pools) and joint powers authorities (JPA)




Coverages Available

  • Lead excess proprietary admitted coverage form provides general liability, auto liability, law enforcement liability, public officials liability, employment practices liability, educators legal liability, and property directly over a self-insured retention
  • Admitted follow form excess coverage
  • Assumed reinsurance over memorandum(s) of coverage (MOCs) allowed by enabling statutes




Program Highlights

  • Aggregate stops available
  • Corridor retentions available
  • Manuscript wordings