Insurance for Governmental Subdivisions
Handle Public Funds With Care! Insurance for Your Political Subdivision
Responsible for Insurance Coverage for a Town, Borough, City, or County? We Can Help!
Cost-Effective Protection, from Workers Compensation to General Liability Insurance
Experience counts – especially when you need an independent insurance brokerage to help find the most reliable insurance coverage for your city, town, or other political subdivision – at the most economical rates.
Long before the turn of the 21st century, Insurance Brokers of Maryland was established to be a one-stop shop for full-service insurance policies for individuals, families, businesses, and – yes – even governmental agencies.
Of course, those insurance policies include single-coverage and group-coverage health insurance, individual and commercial auto insurance, homeowner’s insurance, whole and term life insurance, umbrella insurance, and all types of business insurance (builders risk insurance, business interruption insurance, general liability, etc.).
And our services also include finding excellent, reputable, and fiscally defensible insurance coverage to protect the interests of governmental subdivisions such as cities, towns, townships, boroughs, counties and other municipalities.
If you’re a town manager, county insurance commissioner, or otherwise responsible for the insurance coverage of a political subdivision pursuant to the protection of the municipality and its taxpayers, you can always count on the experience, the knowledge, and the independence of Insurance Brokers of Maryland.
Serving All the Self-Insurance Needs of Maryland’s Political Subdivisions
Not Captive to Any Insurance Company, We’ll Find the Best Coverage at the Lowest Cost
Insurance Brokers of Maryland will get your municipality set up with a set of insurance policies that’ll provide the protection your citizens need, at a premium they’ll approve of.
Here are some of the insurance coverages for political subdivisions that Insurance Brokers of Maryland will help you obtain:
- Workers compensation
- Group health coverage
- General liability protection (also known as third-party insurance)
- Errors and omissions insurance
- Employment practices liability
- Property insurance (to protect damage to property allegedly caused by a third party)
- Cyber liability insurance (pursuant to losses caused by data breaches or cyber-attacks)
That’s not a complete list, but it’s indicative of the breadth of coverage you’ll need to put in place. There may be certain types of coverage for which your political subdivision could self-insure, but even a self-insurer needs to establish backup safeguards and alternative protections in the event that civil actions occur which could stake a monetary claim against the municipality or its administration.
So whichever sort of insurance coverage your municipality is required to carry under the provisions of the law, Insurance Brokers of Maryland is committed to helping you follow those laws and protect your citizens’ assets.
No Limits to Finding the Best Coverage on Behalf of Your Municipality
As an Independent Agency, We’ll Work Together to Mutually Agree to the Right Policies
Because our independent status permits us to survey all available coverage options and solicit competitive bidding, your agent will measure each self-insurance program relative to the other possibilities. Through this process, we’re able to parse through all potential policies to find the right policy for your municipality’s needs, as determined by an analysis of what the policy covers, how responsive the insurance carrier is to claims, and whether the protection warrants the outlay of such funds as provided by the taxpayers.
Our independence as an insurance brokerage and our ability to conduct competitive bids are major benefits for municipal clients in Maryland. It means that all the policies in your self-insurance pool are defensibly and reasonably the best policies to choose – and with Insurance Brokers of Maryland, you’ve got the numbers and the analysis to prove it.
Licensed To Sell Insurance Products Across Maryland
From the Western Mountains to the Eastern Shore, We Cover and Protect the Old Line State
It doesn’t matter where you are in the great State of Maryland. We help clients from Oakland to Ocean City and Easton to Westminster.
Hagerstown, Columbia, Aberdeen, Salisbury – we broker insurance coverage there, too.
Whether you’re responsible for the self-insurance program of the County of Baltimore or the City of Cumberland, Insurance Brokers of Maryland is the agency to call. We understand the unique needs that Maryland’s public servants must deal with when handling public funds, and our agents are trained in the special considerations required of insurance policies for governmental subdivisions.
So whether you represent a county in the mountainous west, an affluent suburb of Baltimore or Washington DC, or a quaint seaside town along the Chesapeake, the smart move is to secure insurance coverage through Insurance Brokers of Maryland, an independent insurance agency.
Let’s Find the Best Insurance Coverage at the Most Economical Rates
Contact Insurance Brokers of Maryland Today for a Free Consultation
We’re ready when you are. Together let’s determine the best way to purchase and maintain self-insurance programs that’ll protect the interests of your municipality while safeguarding the taxpayers’ investment.
Reach out for a convenient appointment – virtual or in-office:
- Call 301-668-2233
- Connect on Facebook @InsuranceBrokersOfMD
- Send a message at InsuranceBrokersOfMD.com/contact
- Visit one of our offices: 182 Thomas Johnson Drive, Suite 202, in Frederick MD, or 600 East Main Street in Emmitsburg MD
As a trusted public servant and a fiduciary for the taxpayers of your municipality, you are given a very serious – some might even say sacred – responsibility. It’s your job to ensure that your political subdivision procures the insurance coverage it needs at premiums acceptable to your overseers (the town council, regional council, mayor or commissioner, and/or the voters) . . . and you need to re-examine your insurance portfolio prior to the start of every fiscal cycle.
Insurance Brokers of Maryland is your partner in the search for the best insurance coverage for villages, towns, cities, counties, and other political subdivisions.
