![Public Entity Risk Solutions People relaxing in the sun Clapham Common London](/content/dam/munichre/mram/images/GettyImages-533250707.jpg/_jcr_content/renditions/cropped.3_to_1.jpg./cropped.3_to_1.jpg)
Public Entity Risk Solutions
Innovative products designed for stability and protection
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Public and nonprofit entities, self-insureds, and pools have unique risk management needs. As a market leader, we respond with custom products and services that help manage risk with forward-thinking strategies. We understand the importance of knowing each client’s individual needs and adopt a holistic approach to assessing our client’s situation across the whole value chain.
We are:
- Supporting the community, as part of the community.
- Bringing innovative products designed to create stability and protection during a natural catastrophe or large liability event.
Public Entity capabilities
Target classes
Municipalities, counties, and special districts
Primary and secondary schools
Colleges and universities
Transit authorities
Religious organizations
Nonprofit organizations
Tribal organizations (including casinos)
Coverage details
- General Liability
- Professional Liability/Public Officials Liability/School Board Legal Liability
- Law Enforcement Liability
- Automobile Liability
- Property, including Equipment Breakdown and Crime
- Public Entity Cyber
- Employee Benefits Liability
- Sexual Harassment Liability
- Sexual Abuse Liability
- Clash and Aggregate Stop Loss
- Workers’ Compensation/Employer’s Liability
![Coverage details Coverage details](/content/dam/munichre/global/images/royalty-free/GettyImages-1392125218.jpg/_jcr_content/renditions/original.image_file.8192.4608.0,428,8192,5036.file/GettyImages-1392125218.jpg)
Value-added services
Munich Re Specialty professionals understand the insurance market. We are able to draw upon our global resources to not only provide our customers with insurance coverage, but also offer our Public Entity Risk Solutions clients risk management services to help them prepare for and respond to risk exposures.
Actuarial Services
Catastrophe Management
Claims Handling
Policy Language Reviews
Product Development
Research and Analysis
Risk Control Oversight
Underwriting Operations
Frequently asked questions
How has the public entity market evolved over the past decade, and what are some of the opportunities you see in that space?
The current environment has forced public entities to adapt to new and emerging exposures, including, but not limited to: cyber challenges; the effects of climate change on wildfires, tornadoes, and other natural disasters; the impact of social inflation on our industry; and nuclear verdicts — jury awards that surpass $10 million. Importantly, these issues are giving Munich Re Specialty – North America PERS a tremendous opportunity to partner with clients, to influence and educate the market, and to provide the lasting solutions brokers and clients have come to expect from Munich Re Specialty – North America PERS.
What are some of the misconceptions regarding risks within public entities?
Many public entities are operating on tight budgets and, as such, we need to design and implement creative solutions that are a win-win for both Munich Re and its clients. What makes this so exciting is there are no one-size-fits-all approaches. The good news for clients is that Munich Re offers subject matter expertise and industry-leading solutions that span a diverse range of exposures, jurisdictions, and risk appetites.
What are the key risks and challenges that public entities will face in the next 10 years?
Over the next five to 10 years, public entities will be working on securing adequate insurance-to-values and continuing to be mindful of climate change concerns surrounding secondary perils, such as wildfires and severe convective storms. They will also have to navigate the rising costs of social inflation, while mitigating nuclear verdicts and, of course, establish robust security infrastructures to ward off the continuous threat of cyberattacks. It’s also critical for public entities to adapt to a changing labor force that wants to work where they live and not the other way around. People are leaving cities for more affordable housing and remote or hybrid opportunities. Specifically, municipalities will need to focus efforts on managing law enforcement challenges, including recruiting, training, and public perception. Further, educational entities should emphasize their efforts toward managing sex abuse challenges, including hiring practices, robust training, and increased awareness of this issue.
Contact our experts
Leadership
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![Lauren Tredinnick Lauren Tredinnick](/content/dam/munichre/contentlounge/website-pieces/experts/Tredinnick-Lauren.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.120.120.file/cropped.square.jpg)
Lauren Tredinnick
President, Public Entity Risk Solutions
![Michael Foulke Michael Foulke](/content/dam/munichre/mram/images/M.%20Foulke%20headshot.jpg)
Michael Foulke
Head of Public Entity Municipalities and Transit, Public Entity Risk Solutions
Munich Re Specialty – North America
![Helaina Jolly Helaina Jolly](/content/dam/munichre/mram/images/Helaina-Jolly.jpg/_jcr_content/renditions/original./Helaina-Jolly.jpg)
Helaina Jolly
Senior Broker Relationship Leader
![Cheryl Marczak Cheryl Marczak](/content/dam/munichre/mram/images/Cheryl%20Marczak.JPG/_jcr_content/renditions/cropped.square.JPG.image_file.120.120.file/cropped.square.jpg)
Cheryl Marczak
Head of Public Entity National Accounts
![Richard Woytus Richard Woytus](/content/dam/munichre/contentlounge/website-pieces/experts/Richard-Woytus_3670x5082.jpg/_jcr_content/renditions/cropped.square.jpg.image_file.120.120.file/cropped.square.jpg)
Richard Woytus
Head of Public Entity Schools & Religous Institutions
![Peter McKernan Peter McKernan](/content/dam/munichre/mram/images/Peter-Mckernan.jpg)
Peter McKernan
Head of Public Entity Property
Municipalities and Transit
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Sean Enderlein
Public Entity Underwriter
![Thanh Hoang Thanh Hoang](/content/dam/munichre/mram/images/thang.jpg/_jcr_content/renditions/original./thang.jpg)
Thanh Hoang
Senior Vice President and Public Entity Risk Solutions Underwriter
Gary Jackson
Public Entity Underwriter
![Joe Peppelman Joe Peppelman](/content/dam/munichre/contentlounge/website-pieces/experts/Joseph-Peppelman.jpg/_jcr_content/renditions/original.image_file.120.120.file/Joseph-Peppelman.jpg)
Joe Peppelman
Senior Vice President
Nanci Stoffer
Public Entity Underwriter
Ross Sylvestre
Public Entity Underwriter
Noah Zuengler
Public Entity Underwriter Municipality and Transit
Educational and Religious Institutions
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Dawn Fertig
Public Entity Underwriter
Grace Joy
Public Entity Underwriter
Demetria Michailides Barry
Public Entity Underwriter
Jacqueline Nguyen
Public Entity Underwriter
Carson Richter
Public Entity Underwriter
Raymond Tam
Public Entity Underwriter
Property
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![Robert Harry Robert Harry](/content/dam/munichre/mram/images/Robert-Harry.jpg)
Robert Harry
Public Entity Underwriter
William Berntsen
Public Entity Underwriter
![Megan Kramer Megan Kramer](/content/dam/munichre/mram/images/megan-kramer.jpg/_jcr_content/renditions/original./megan-kramer.jpg)
Megan Kramer
Public Entity Underwriter
![Todd Shanosky Todd Shanosky](/content/dam/munichre/mram/images/Todd-Shanosky.jpg/_jcr_content/renditions/original./Todd-Shanosky.jpg)
Todd Shanosky
Public Entity Underwriter
Nicholas Angelina
Public Entity Underwriter
National Accounts
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![Bob Duffner Bob Duffner](/content/dam/munichre/mram/images/bob_duffner.jpg/_jcr_content/renditions/original./bob_duffner.jpg)
Bob Duffner
SVP and Public Entity Underwriter, Public Entity Risk Solutions
Timothy Lyons
Public Entity Underwriter
Bailey Noone
Public Entity Underwriter
Tools and downloads
![Perspectives Subway train in Queens NYC](/content/dam/munichre/global/images/royalty-free/GettyImages-974704892.jpg/_jcr_content/renditions/original.image_file.2560.1280.0,684,8200,4784.file/GettyImages-974704892.jpg)