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Municipality Insurance

Insuring a city or township comes with unique challenges that are unlike most businesses. At Schneiter Insurance, our experienced agents will help you find the best coverage.

What coverage does your community need?

Every municipality is different, and your community needs insurance solutions that are unique to its risks. Therefore, it is essential to work with an insurance provider who understands your municipality's needs and can tailor coverage options accordingly.

Why is Municipality Insurance Important?

Why is Municipality Insurance Important?

Municipality insurance is essential for cities and townships as it provides protection for the various properties and utilities that residents rely on. With multiple properties to consider, each with its own set of risks, it is crucial to have coverage that takes these considerations into account. Additionally, municipalities are responsible for providing essential services such as water, sewer, and electricity, which come with environmental hazards and contamination risks. Without proper insurance coverage, municipalities could face significant losses due to property damage, bodily injury, cyber attacks, employee theft, or other related risks. Therefore, municipality insurance is critical to ensure that communities are protected and can continue to provide essential services to their residents.

Important Coverages for Any Municipality

Typical coverages include:


Workers’ Compensation

Employers must have coverage for work-related injuries or illnesses. Workers' compensation and employers liability insurance protect employees. Notify your insurance agent of all physical locations where your business operates and hires employees, as benefits vary by state law.


Sewer Authority Liability

Running a community sewer and wastewater plant poses risks such as water contamination and failure to supply. Sewer authority coverage liability forms can cover professional activities related to managing such facilities, including errors and omissions, utility supply failures, and equipment breakdown.


Public Officials Liability

Municipalities with elected officials and governing boards must defend against liability for decisions impacting the population. A liability policy, including employment practices liability, is necessary.


Law Enforcement Liability

Municipal police forces face many liabilities, including wrongful detention and police brutality. Law enforcement liability insurance provides coverage for these claims, including accidental death and moonlighting endorsements.


Flood Coverage

Municipalities face significant financial losses due to flood damage. Flood coverage is essential for protecting public infrastructure and ensuring a quick recovery from flood-related events. Without flood coverage, municipalities may struggle to provide essential services to their residents in the aftermath of a flood.


Earthquake Coverage

Earthquake coverage is crucial for municipalities as it enables them to repair and replace damaged infrastructure, helping them to recover quickly from earthquake-related events. Without it, municipalities may struggle to provide essential services to their residents, making it essential to obtain this coverage.


Commercial Property

Municipalities need commercial property coverage to protect against damage or loss to their properties. This coverage provides financial protection for physical damage, loss of income, and extra expenses incurred. Obtaining commercial property coverage is crucial for municipalities to continue providing essential services to their residents.


Abuse and Molestation Liability

Child sexual abuse is not covered under standard general liability policies. To protect against financial loss from allegations, obtain abuse and molestation coverage and have written procedures in place for prevention and reporting.

Potential Municipality insurance discounts

Potential Municipality insurance discounts

  • Multi-Policy Discount: Municipalities can bundle their insurance policies, such as property, liability, and workers' compensation, with the same provider to receive a discount on their premiums.
  • Safety and Loss Control Discount: Municipalities that have implemented safety and loss control measures, such as regular safety training, safety inspections, and risk management programs, may be eligible for a discount on their insurance premiums.
  • Claims-Free Discount: Municipalities that have a history of filing fewer insurance claims may be eligible for a claims-free discount.
  • Group Purchasing Discount: Municipalities that participate in a group purchasing program may be eligible for a discount on their insurance premiums.
  • Non-Profit Discount: Municipalities that are classified as non-profit organizations may be eligible for a discount on their insurance premiums.

There are even more ways to save on boat insurance, but the only way to truly determine the best policy is to call and discuss the protection you will need.

Why we're different

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your municipality.

Contact us today, and we'll help you protect what matters most.

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