Insurance for Municipalities and Schools
Managing a municipality, such as a city or town, means providing leadership and direction to help keep public services and amenities up and running. Likewise, school leaders have to make informed decisions to help students, faculty, and staff thrive. This includes proactively addressing potential risks, such as property damage or liability claims, to help reduce financial losses that could disrupt operations or strain the budget.
Having the right insurance coverage helps financially protect your municipality or school from unexpected losses, allowing you to continue serving the community. PMCA works with multiple insurance carriers to help you design a comprehensive insurance package for your municipality or school.
Why Do Cities Need Insurance for Municipalities?
Municipalities are responsible for public services, infrastructure, and safety of those in the city or town. Without adequate insurance unexpected events – such as natural disasters, lawsuits, or cyberattacks – could strain budgets and interrupt essential services.
Insurance helps mitigate the financial risks of these unexpected events. An investment into a complete municipality insurance plan helps ensure continued service to residents while protecting the assets and employees of the municipality.
Why Do Schools Need Insurance?
Schools face a wide range of unexpected risks other businesses and organizations might not. Student or staff injuries, property damage from storms, or a data breach of sensitive student information could put the school or school district at risk of expensive lawsuits. Insurance for schools helps your school manage legal liability, repair costs, and employee-related claims without jeopardizing the learning experience for students.
Additionally, many schools are responsible for transporting students, organizing and hosting public events, and maintaining large buildings and infrastructure. A comprehensive insurance plan can bring peace of mind to parents, faculty, staff, and the public that your school is a safe place for students to learn and grow.
Insurance Coverage for Schools and Municipalities
Municipalities and schools may require several types of insurance policies to address various risks. Working with a trusted insurance agency, such as PMCA, can help you plan your municipal insurance coverage around the risks your city or school is most likely to face. Common types of municipal and school insurance include:
- General Liability Insurance: Protects against third-party claims of bodily injury, property damage, or personal injury occurring on municipal or school property or due to operations.
- Property Insurance: Covers municipal or school buildings, equipment, and infrastructure against damage from fires, storms, vandalism, and other covered events.
- Workers Compensation: Helps ensure employees who are injured on the job receive medical care and wage replacement, while also protecting the municipality or school from liability claims.
- Commercial Auto Coverage: Like personal car insurance, commercial auto coverage for municipalities and schools helps protect vehicles, such as emergency response vehicles or school-owned cars, from accidents and damages.
- Cyber Liability Coverage: Cyber coverage helps protect municipalities and schools from liability for cyberattacks, data breaches, and other digital threats that could compromise sensitive records or operations.
Why Work with PMCA?
PMCA is an independent insurance agency with access to multiple carriers, allowing us to find the best coverage for your municipality or school at competitive rates. Our team understands that public entities face different risks than private citizens or businesses.
We work closely with local governments and schools to customize your insurance solution through our partner carriers to provide comprehensive protection for your city, town, or school.
By working with PMCA, municipalities and schools get access to:
- Top insurance carriers offering insurance for municipalities and schools
- Personalized risk assessments
- Competitive pricing and customizable policy options through our partner carriers
- Dedicated support from experienced insurance professionals
Get Insurance for Your School or Municipality Today
Ensure your school or municipality is protected with a tailored insurance package from one of our trusted insurance carrier partners. The PMCA team is ready to work with you to find the insurance options that best fit your unique coverage needs.
Contact us today to discover how we can help you secure the coverage your municipality or school needs to operate with confidence.