All Lines Aggregate Insurance

Blend Risk Retention, Risk Transfer and Customized Claims Management to Unlock Significant Long-Term Savings

RPS Signature Programs' All Lines Aggregate public entity insurance program helps government entities effectively manage today's cost of risk and unlock significant long-term savings. Our innovative public entity insurance program blends risk retention, risk transfer, and customized claims management within one framework.

We understand the unique risks public entities face, from terrorist threats to civil rights exposures; to employment practices and data breaches; to budget limitations; and the scrutiny of public officials, educators, and executives in a variety of complicated and frequently highly-charged situations.

Decades of experience and excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, counties, housing authorities, special districts, utility authorities, public K-12, and colleges/universities.

All Lines Aggregate Public Entity Program Insurance Coverages

• All lines aggregate package limits available up to $10,000,000
• Clash coverage for multi-line losses
• All lines loss fund including workers' compensation insurance
• Client control of the claims process
• Coverage provided as insurance or reinsurance to the client's policy
• Sexual abuse and sexual harassment insurance

All Lines Aggregate Public Entity Program Limits

• Limits for all casualty lines are available for up to $10,000,000
• Higher casualty limits are available from our excess carrier partners
• Limits to $1,000,000 with options for excess property
• Self-insured workers' compensation buffer limits available for up to $250,000 with additional options for statutory excess workers' compensation coverage

All Lines Aggregate Insurance Designed for Public Entities

• Larger public entities that have a self-insured retention of greater than $50,000
• Entities that are seeking to go self-insured

How the All Lines Aggregate Public Entity Program Can Help Your Clients

RPS Signature Programs' team of industry experts can take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. Excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, counties, housing authorities, special districts, utility authorities, public K-12, and colleges/universities.

Key All Lines Aggregate Program Features

Our experience in providing municipalities, schools, states, and others with exclusive package facilities with A-rated or better carriers spans more than 40 years. We understand the unique risks Public Entities face — from terrorist threats to civil rights exposures; to employment practices and data breaches; to budget limitations; and the scrutiny of public officials, educators, and executives in a variety of complicated and frequently highly charged situations. We provide the broad coverage, underwriting expertise, and risk management resources needed to address these exposures.

RPS Signature Programs' in-house underwriting capability will provide you with quick turnaround — critical in writing new accounts and client retention. We also provide an extensive list of pre-approved third-party administrators (TPAs) to facilitate the control and management of claims for your insureds. Each TPA's flexible, cost-effective products are tailored to satisfy specific client needs. Their prompt, responsive services are aimed at achieving early claims resolution while maximizing savings on expenses and loss payout.