Municipalities, Counties and Villages Insurance

At W.A. George Insurance Agency, we understand the unique challenges municipalities and counties face every day. That’s why we have developed products and services exclusively for your municipality or county. You need custom solutions designed to fit your specific needs – from understanding PIT maneuvers and skateboard parks, to city planning and street and road management. Our dedicated team can provide flexible, intelligent and competitive solutions that are aligned with your evolving insurance needs.

The market leader- In addition to municipalities and counties, W. A. George Insurance Agency can provide products and services for a range of local government entities, including public utilities, transits and other special-purposes.

We provide one source for insurance and risk management solutions for municipalities and counties.

Our products include:

• General liability
• Inland marine Auto liability and physical damage
• Crime Public entity management liability
• Umbrella Employment practices liability
• Workers compensation Law enforcement liability
• Large deductible and self-insured programs
• Property
• Equipment breakdown

Our total account solution provides one-stop shopping and minimizes coverage gaps to provide seamless service for your public entity in the unfortunate event of a claim.

Send us your RFP.

CORPORATE BACKGROUND

Who we are:
W.A. George Insurance Agency is a leading advisory, broking and solutions organization that helps clients throughout the United States turn risk into a path for growth. With roots dating from 1972, W.A. George Insurance Agency that marriage risk, optimize benefits, cultivate talent, and expand the power of capital to protect strengthen institutions and individuals. Our unique perspective allows us to see the critical intersections between talent, assets and ideas—the dynamic formula that drives business performance market insurance in over 32 states.

We help organizations unlock new potential through effective risk management.

Our clients rely on us to craft strategies to quantify, mitigate, and transfer risk, taking advantage of our specialist industry experience and unparalleled market know-how. The result is a new way of embracing risk that drives superior results.

We understand that each of our clients is unique. As such we have designed a team approach that will deliver the nationwide risk management strategies of W. A. George Insurance Agency coupled with the expertise of brokers who will design the placement and day to day account management of your program. In addition, we will deliver world class consulting services to the city with a focus on significantly reducing the cost of risk to the city.

Parksmart Valet Insurance

Commercial General Liability Insurance
Commercial General Liability Insurance shall be provided with a minimum bodily injury and property damage per occurrence limit of $1,000,000 for Coverage A (Bodily Injury and Property Damage) and coverage B (Personal and Advertising Injury); and $1,000,000 product/completed operations limit of liability. The policy shall contain the following provisions.

1. Blanket contractual liability coverage for liability assumed under this Parking Agreement
2. Independent Contractors
3. Fire Legal Liability with a minimum limit of $100,000
4. Medical expense coverage with a minimum limit of $5,000 anyone person
5. Additional Insured will be named
6. Thirty (30) day Notice of Cancellation in favor of the named additional insured
7. Waiver of Transfer of Right of Recovery Against others in favor of the named additional insured

Commercial Crime Insurance Coverage
Commercial Crime Insurance Coverage shall be provided for all losses emanating from the handling of the City’s money and securities, including but not limited to losses resulting from dishonest or criminal acts, fraud, embezzlement, forgery, misappropriation or loss of funds and errors in the processing or reporting of funds. This policy shall be written for a minimum limit of $1,000,000.

Business Automobile Liability Insurance
Business automobile liability insurance shall be provided for all owned,non-owned and hired vehicles with a minimum combined single limit of $1,000.000.

Workers Compensation
Workers compensation insurance shall afford coverage with limits consistent with statutory benefits outlined in the Workers Compensation Act and minimum policy limits for employer’s liability of $100,000 bodily injury each accident, $500,000 bodily injury by disease policy limit and $100,000 bodily injury by disease each employee.

Human Services Insurance

Key Benefits
General Liability 

$3M Aggregate

• Employees, Volunteers, and Insureds
• Abuse and Molestation coverage
• Blanket additional insured for funding
  sources and landlords
• Medical payments for volunteers included
  
  
  

Property

• Thirty-three additional coverage/extensions
• Blanket limits available
• Special Causes of Loss coverage
• Equipment Breakdown coverage
• Agreed Amount available with signed statement of values/property appraisal
• Forty-two additional coverage/extensions
• Ordinance or Law coverage – included
• Limits to $1M each occurrence/
• Ordinance or Law coverage – included

Umbrella/Excess Liability

• Large Excess Limits available 
• Automobile
• Owned/non-owned/hired auto
• Employees and Volunteers as Insureds coverage
• Hired car physical damage

Medical Facilities Insurance

Key Benefits

Property

• Ultimate Coverage - broad proprietary property coverage form including Flood and Earthquake where available
• Special Causes of Loss coverage on buildings,contents, loss of income, and extra expense
• Agreed Value (no coinsurance) available
• Blanket limits available
• Back up of sewers and drains included as a cause of loss
• Coverage for building foundations and underground pipes, flues, and drains included
• Increased Cost of Construction coverage included • Demolition coverage included • Accounts Receivable coverage included
• Valuable Papers coverage included
• Alarm System Upgrade coverage provided

Automobile

• Owned/non-owned/hired auto
• Non-emergency owned auto
• Hired car physical damage
• Rental reimbursement for private passenger vehicles Crime and Fidelity
• Employee Dishonesty
• Forgery or Alteration
• Theft, Disappearance, and Destruction
• Money and Securities (inside/outside)
• Money Orders and Counterfeit Paper Currency
• Kidnap and Ransom-Extortion

Endorsement

Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, and Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement

Crisis Management Enhancement Endorsement

$25,000 limit for crisis management emergency
response expenses incurred because of an
incident giving rise to a “crisis”

For a Quote Call
W.A. George Insurance Agency
312-729-5265