Municipal Insurance Program

Comprehensive, Cost-Effective Insurance Designed for Municipalities

Wright Specialty’s Municipality Insurance Program is our comprehensive suite of property and casualty insurance coverages and services for municipalities, water-related districts, and special purpose districts.  Wright’s municipality product provides broad coverage and specialized services with an A+, XV AM Best rated carrier.

We developed our Municipality Insurance Program to help our brokers and agents deliver comprehensive, quality insurance coverages and services more efficiently and to help municipalities manage their unique risks more cost-effectively.


  • Municipal Governments (cities, towns, townships, and boroughs) with a population less than 70,000
  • Special Purpose Governmental Entities/Authorities (Library Board, Parking Authorities, Parks & Recreation, Cemetery Districts)
  • Special Districts where primary functions are water-related (Flood Control Districts, Irrigation Districts, Levee Districts, Metropolitan Districts, Municipal Utility District, Private and Mutual Water Companies, Reclamation Districts, Sewage Districts, Special Utility District, Water Control or Improvement Districts, Water Improvement Districts, Water Treatment Districts, Water Utilities)

We currently offer our Municipality Program in the following areas: 

AL, CO, CT, DE, FL, GA, IA, ID, KS, KY, MD, MT, NC, ND, NE, NH, NV, OH, OR, RI, SC, SD, TN, VT, WI and the District of Columbia.

Explore the customized public entity coverages and services we have packaged together, and start a partnership today with WSI. Brokers and agents with experience and knowledge in the public entity sector are invited to join our distribution team.

Specialized Loss Prevention and Risk Management

With many years of experience insuring public entity risks, Wright Specialty Insurance provides valuable guidance for municipal administrators to help reduce injuries to residents, staff, and visitors, and to prevent damage to property. Our innovative risk management and safety solutions include:

  • Inspections and evaluations of facilities and operations
  • Risk management consulting services
  • Assistance with contractual risk transfer through a review of insurance procurement agreements, indemnity provisions, and insurance certificates
  • On-site training
  • Web-based training
  • Regional seminars
  • Articles on public entity risk management and safety issues
  • Interactive program Web site
  • WSI’s eLearning Center
Single Source Coverage for Municipalities

Wright Specialty can deliver the broadest range of Property & Casualty insurance coverages available, making it easy and efficient for public entities to purchase every coverage they need from one convenient source.

Property – Fire and Allied

  • Blanket Building and Contents
  • Special
  • Replacement Cost
  • No Coinsurance
  • Equipment Breakdown
  • Loss of Income and Extra Expense

Inland Marine and Equipment Floaters 

  • Tools & Equipment (including Construction Equipment) Scheduled Equipment
  • Emergency Services Equipment
  • Emergency Services and Law Enforcement Personal Effects

Crime Coverage

Public Officials Liability 

  • Wrongful Acts
  • Employment Practices Liability

Commercial General Liability 

  • Guaranteed Cost
  • Broad Definition of Bodily Injury
  • Blanket Additional Insureds
  • Law Enforcement Liability
  • Professional Healthcare Coverage for Emergency Services
  • Pollution Liability Exceptions

Educators Legal Liability 

  • Employment Practices Liability

Commercial Automobile Liability and Physical Damage

  • Owned Autos
  • Non-owned Autos
  • Uninsured/Underinsured Motorists Coverage
  • Medical Payments or Personal Injury Protection
  • Physical Damage Coverage

Excess Liability

  • Follow Form Coverage