Schinnerer's Public Entity Insurance Program is designed to meet the complex risk management needs of public sector organizations across the United States. As a leading Managing General Underwriter (MGU), Victor O. Schinnerer & Company, Inc. offers agents and brokers access to a broad suite of specialty coverages tailored specifically to cities, towns, counties, school districts, community colleges, and special districts.
Overview of the Program From Schinnerer
- Self-Insured Retention (SIR) Services – Flexible solutions for public entities that retain a portion of their own risk.
- Wholesale Specialty Insurance Products – Access to tailored coverage options for a variety of public organizations.
- Underwriting, Reinsurance Placement, and Consulting – Customized services for public entity pools and municipal risk-sharing groups.
Ideal Accounts and Appetite
Schinnerer targets a wide range of public entities, including:
- Municipalities – Cities, towns, and counties seeking SIR or pooled insurance solutions.
- Educational Institutions – Public schools, school boards, and higher education facilities, such as community colleges.
- Special Districts – Fire, water, sanitation, and other government districts with unique liability exposures.
You might have a client such as a rural school district requiring educators’ legal liability, or a town hosting annual festivals needing event coverage and weather insurance. Schinnerer can provide tailored solutions for these and many other public sector risks.
Coverage Highlights and Advantages
Schinnerer offers a comprehensive suite of coverages that address the liability, property, and financial exposures of public entities. Available products include:
- SIR Excess/Umbrella Liability
- School Leader Liability
- Public Officials Liability
- Storage Tank Pollution Liability
- Surety/Fidelity Bonds
- Accidental Death & Dismemberment (AD&D)
- Special Events Coverage – Including weather, liquor liability, and event-specific insurance
- Reinsurance Support for Pools
- GL/Auto/Property – Available on a limited basis
These products are designed to provide robust protection while accommodating the budget and governance constraints of public institutions.
Underwriting Notes and Minimum Premiums
Schinnerer works with various carriers to offer flexible risk solutions. While minimum premiums may vary by risk and coverage line, the program is structured to accommodate a wide range of public entity sizes. Underwriting takes into account risk management practices, claims history, and governance structures. Agents are encouraged to submit complete applications for faster turnaround and customized solutions.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted status may vary by coverage and state.
Why Work With Schinnerer?
Victor O. Schinnerer & Company, Inc. brings decades of experience in underwriting complex risks for the public sector. Agents benefit from Schinnerer’s specialized knowledge, access to multiple carriers, and ability to offer customized solutions for challenging municipal exposures. Whether your client needs standalone coverage or a complete risk management program, Schinnerer is a dependable partner for placing public entity insurance business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for public entities such as municipalities, school districts, community colleges, and special districts seeking liability, environmental, and event-related coverages.
Can this program cover special events hosted by public entities?
Yes, Schinnerer offers special event coverage including weather insurance, liquor liability, and other event-specific protections.
Is this program available nationwide?
It is available in most U.S. states. Admitted status varies by state and coverage line, so it's best to check availability for your client's location.
What underwriting information is needed for a quote?
Complete applications, loss history, risk management protocols, and operational details of the public entity help expedite underwriting and ensure accurate quoting.
Does Schinnerer work with public entity risk pools?
Yes, Schinnerer provides underwriting, reinsurance placement, and consulting services for public entity insurance pools.
Need help placing an account? Connect with a market specialist.