Municipal Insurance
Municipal Insurance & Risk Management
For more than seven generations, Gilbert’s Risk Solutions has been helping municipalities, counties, and related public sector entities manage risks and find the right insurance coverage. At our founding, Pennsylvania’s population was just over 2 million people; today it approaches 13 million. Public governance has grown to keep pace, and with that growth comes new and emerging risks. We help manage those risks with the same honesty, integrity, and values that have steered us over the years.
Unique Exposures for Local Government Entities
Public entities face a distinct set of exposures: public officials liability, law enforcement liability, public property and infrastructure risk, and employment practices exposure. From buildings and vehicles to public safety and public works, the exposures are varied and complex — with a wide range of employee risk, from low-risk office workers to high-risk roles like firefighters and police, all while operating under tight budgets and public scrutiny.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
Municipal Insurance Coverage Solutions
Typical commercial insurance policies don’t provide suitable coverage — insurance must be tailored to each municipality’s unique circumstances. Gilbert’s Risk Solutions insures a wide range of public entities of varying size and scope.
Common Insurance Coverage for Municipalities:
- Commercial Property Insurance
- General Liability Insurance
- Commercial Auto Insurance
- Public Entity Management Liability
- Inland Marine
- Equipment Breakdown
- Umbrella/Excess
- Workers’ Compensation
- Employment Practices Liability
- Law Enforcement Liability
- Crime
- Pollution/Environmental
Other Services: Employee Benefits, EAP, HRIS Gilbert’s Portal, HR & Compliance Consultation, Surety Bonds, Loss Control
Why Government Entities Need Specialized Insurance Coverage
Municipal operations involve unique legal exposure and public accountability that standard commercial policies simply aren’t designed for. From sovereign immunity nuances to law enforcement liability, government entities need coverage built specifically around how public institutions operate.
Our Goal Is to Be Your Outsourced Risk Management Partner
Running a city, town, borough, or any public entity is a complex enterprise that demands a trusted risk partner. Gilbert’s Risk Solutions works in tandem with you to identify areas of greatest exposure and recommend solutions to mitigate risk — protecting your operations, your staff, the public, and your bottom line.
Tailored Solutions
When it comes to your insurance coverage, we don’t take a cookie-cutter approach. While there are basics that should be covered — property, liability, and workers’ compensation, for example — many specialized coverages may be important depending on the size and nature of your operations. As part of our risk assessment, we’ll advise you of any exposures that warrant supplemental coverage.
360 Degree Approach
We take a 360-degree view of your municipal operations to ensure all aspects of your business are secure. Our team of experts in Loss Control, Employee Benefits, HR, and Surety Bonds are all available to our commercial clients, ensuring a multi-pronged approach to risk mitigation.
Our RISK SHIELD® Process
Insurance is only one piece of protecting your municipality — managing your risk matters just as much. Our proprietary RISK SHIELD® Process identifies your unique exposures and puts a loss control plan in place to mitigate them. Often the solution is an insurance product, but frequently it’s a recommendation for a process, staff training, or measure that reduces an exposure.
CONSULT
DESIGN
BUILDING
MAINTAIN
Municipality Insurance FAQs
Public officials liability covers claims arising from the decisions and actions of government officials in their official capacity, including allegations of wrongful acts, negligence, or breach of duty.
Yes — municipalities increasingly hold sensitive resident data and manage critical infrastructure, making them attractive targets for cyberattacks. Learn more about our Cyber Liability Insurance.
Government employees are generally covered under the same workers' compensation framework as private employees, though high-risk roles like police and fire often carry unique classification and cost considerations. Learn more about our Workers' Compensation Insurance.
Law enforcement liability coverage specifically addresses claims related to policing activities, including allegations of excessive force, false arrest, or civil rights violations — exposures that standard general liability typically doesn't cover.
Manufacturing environments often carry higher injury risk due to equipment and physical labor, making a strong workers' compensation program and safety culture especially important. Learn more about our Workers' Compensation Insurance.
