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Public Entities

10 Reasons Why™

  1. One stop shopping for all your insurance needs. Property, Equipment Breakdown, Inland Marine, Crime, General Liability, Professional Liability, Abuse and Molestation, and Automobile coverage bundled into one convenient policy
  2. Pollution coverage for potable water is provided
  3. Claims as a result of water treatment chemicals are covered
  4. Failure to Supply coverage is available for water companies
  5. Third Party Sewer Backup coverage for sewage treatment facilities is available
  6. Ultimate Coverage - broad proprietary property coverage form including Flood and Earthquake where available
  7. Large Excess Limits available
  8. $100,000 of Business Income and Extra Expense as part of the Property Elite enhancement
  9. Non-audited General Liability coverage
  10. Interest-free installments available for accounts that generate at least $2,000 in premium

Public Entities 10 Reasons Why

Benefits of the Program

Philadelphia Insurance Companies' Public Entity program is insurance designed specifically for individual municipalities, individual municipal water and sewer authorities, and Public Libraries. Coverage is offered for property, automobile, general liability, inland marine, crime, Equipment Breakdown, and umbrella lines of business.

  • Miscellaneous Municipal Property automatically includes coverage for a broad range of property in the open
  • Replacement Cost coverage for fire trucks and ambulances
  • Failure to Supply coverage available for Water Companies
  • Individually underwritten policies

Supplemental Applications

Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed and signed/dated PHLY Public Entities Supplemental Applications
  • Currently valued insurance company loss runs for the current policy period and three prior years
  • Current budget including details of expenditures


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