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Munich Re Specialty - North America

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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
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    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

    Tyler Coleman
    Tyler Coleman
    Head of Public Entity Risk Solutions
    Munich Re Specialty
    Michael Foulke
    Michael Foulke
    Head of Public Entity Municipalities and Transit, Public Entity Risk Solutions
    Munich Re Specialty – North America
    Helaina Jolly
    Helaina Jolly
    Senior Broker Relationship Leader
    Cheryl Marczak
    Cheryl Marczak
    Head of Public Entity National Accounts
    Richard Woytus
    Richard Woytus
    Head of Public Entity Schools & Religous Institutions
    Peter McKernan
    Peter McKernan
    Head of Public Entity Property
    Munich Re Specialty – North America
    Sean Enderlein
    Sean Enderlein
    Public Entity Underwriter
    Thanh Hoang
    Thanh Hoang
    Senior Vice President and Public Entity Risk Solutions Underwriter
    Munich Re Specialty – North America
    Gary Jackson
    Gary Jackson
    Public Entity Underwriter
    Joe Peppelman
    Joe Peppelman
    Senior Vice President
    Munich Re Specialty
    Nanci Soffer
    Nanci Soffer
    Public Entity Underwriter
    Ross Sylvestre
    Ross Sylvestre
    Public Entity Underwriter
    Noah Zuengler
    Noah Zuengler
    Public Entity Underwriter Municipality and Transit
    Dawn Fertig
    Dawn Fertig
    Public Entity Underwriter
    Demetria Michailides Barry
    Demetria Michailides Barry
    Public Entity Underwriter
    Jacqueline Nguyen
    Jacqueline Nguyen
    Public Entity Underwriter
    Carson Richter
    Carson Richter
    Public Entity Underwriter
    Raymond Tam
    Raymond Tam
    Public Entity Underwriter
    William Berntsen
    William Berntsen
    Megan Kramer
    Megan Kramer
    Todd Shanosky
    Todd Shanosky
    Bob Duffner
    Bob Duffner
    SVP and Public Entity Underwriter, Public Entity Risk Solutions
    Munich Re Specialty – North America
    Timothy Lyons
    Timothy Lyons
    Public Entity Underwriter
    Bailey Noone
    Bailey Noone
    Public Entity Underwriter
    Nicholas Angelina
    Nicholas Angelina
    Public Entity Underwriter

    Tools and downloads

    Download
    Public Entity Risk Solutions capabilities brochure
    PDF, 18 MB
    Download
    PERS target class brochure
    PDF, 7 MB
    Download
    Public and nonprofit organizations
    PDF, 4 MB
    Download
    Nonprofits and community organizations
    PDF, 2 MB
    Video
    PERS and HSB property solutions video
    Subway train in Queens NYC
    © Bim / Getty Images

    Perspectives

    Insights
    Risk trends in higher education are stacking up
    Download
    Property and Casualty market trends impacting public entities — and how to keep your risk mitigation efforts current
    PDF, 950 KB
    Download
    Navigating the changing landscape of Law Enforcement Liability
    PDF, 830 KB
    Video
    Keeping schools safe