Coverages By State

Texas

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities & Counties
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability, Fiduciary & Crime
• Inmate Medical Expense Reimbursement/Bill Review/Reporting
• JailCore Risk Management Technology for County Jails
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Pollution & Storage Tanks
• Monoline EPL & Sexual Abuse Molestation

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Texas Analysis

Opportunity: 254 counties, 1,209 cities, 1,081 school districts, 21,923 non-profits, 1,691 private schools, 2,291 special districts.

X-dates: 1/1, 7/1, 9/1, 10/1

Risk View: Conceal Carry policy decided by schools. Best Tort laws in nation for public sector, wind, hail,coastal exposures.

Marketplace: Pools rule, TML and TAC dominate public entity and TASB has majority of public school market share. Travelers and Trident on schools and cities and counties.

Alabama

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Towns, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Fiduciary for Pension Funds
• Inmate Medical Expense Bill Review/Reporting
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program
• Pollution & Storage Tank Liability

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Alabama Analysis

Opportunity: 67 counties, 671 cities, 128 school districts, 461 private schools, 548 special districts, 25,000 non-profits.

X-dates: 7/1

Risk View: Conceal Carry policy decided by schools. Limited coastal, favorable legal to public sector. Law and Jail issues on Professional Liability.

Marketplace: AMIC, One Beacon on public entities, ASBIT school pool competitive.

Arizona

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• JailCore Risk Management Program
• Pollution & Storage Tanks & Cyber Liability
• Inmate Medical Reimbursement / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Arizona Analysis

Opportunity: 15 counties, 123 cities, 231 school districts, 468 private schools, 301 special districts, 4,104 non-profits.

X-dates: 7/1

Risk View: Conceal Carry policy decided by schools. Higher excess limits purchased due to no tort cap. No cat exposure.

Marketplace: ACIP County pool dominates and Municipal League very competitive. CopperPoint Mutual places WC.

Arkansas

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• JailCore Risk Management Program
• Inmate Medical Expense Reimbursement/Bill Review/Reporting
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident, Cyber Liability
• Environmental Pollution & Storage Tank Liability

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 75 counties, 502 cities, 239 school districts,180 private schools, 740 special districts, 3,662 nonprofits.

X-dates: 7/1, 2/1, 1/1 and various others

Risk View: Conceal Carry allowed by law, but schools limit locations and who carriers.

Marketplace: Strong tort laws, schools and public entities only purchase property and professional. Pools tough.

California

California Agency License #0G11189

Strategic Business Units

• Package Programs for:
  • K-12 Private, Charter Schools
  • Private Colleges & Universities
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability
• Crime & Fiduciary Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Environmental Pollution & Storage Tank Liability
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 57 counties, 482 cities, 1,025 school districts, 3,948 private schools, 2,861 special districts, 20,153 non-profits.

X-dates: 7/1, 1/1 and various others

Risk View: Conceal Carry decided by school administration.

Marketplace: JPA’s dominate with pools on schools, public entities and special districts. CAT exposure high.

Connecticut

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Programs
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: No counties, 179 cities/municipalities, 17 school districts, 452 private schools, 447 special districts, 3,569 non-profits.

X-dates: 7/1, 1/1

Risk View: Conceal Carry policy is decided by schools. Wind exposure.

Marketplace: City/School combined operations limits markets.
CIRMA major player with several standard carriers.

Idaho

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability, Primary & Excess, Environmental Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 44 counties, 200 cities, 118 school districts, 131 private schools, 806 special districts, 1,994 non-profits.

X-dates: 7/1, 10/1 and various others

Risk View: Conceal Carry is permitted by law.Some ITV issues and heavy frame construction, PC 8-10.

Marketplace: ICRMP is the major writer of public schools and municipal/local governments.

Illinois

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
  • Non-Profit & Social Services
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• Cyber Liability, Environmental Liability
• Inmate Medical Expense Bill Review/Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Illinois Analysis

Opportunity: 102 counties, 4,152 cities, 863 school districts, 1,733 private schools, 3,249 special districts, 105,000 non-profits.

X-dates: 1/1, 7/1, 12/1, 12/31

Risk View: No Tort Cap results in higher excess limits purchased, property good except southern Illinois earthquake, some subsidence issues. Conceal Carry prohibited by law.

Marketplace: Pools, Pools, Pools. ICRMT, IML, Travelers

Indiana

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity & school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 91 counties, 1,575 cities, 291 school districts, 721 private schools, 752 special districts, 6,155 non-profits.

X-dates: 1/1, 7/1 and various others

Risk View: Conceal Carry weapons policy is decided by schools.

Marketplace: EMC is a major player with most of the specialty carriers writing schools and public entities including WSI, Liberty and others.

Iowa

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability, Environmental Liability, Fiduciary
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium nationwide. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 99 counties, 947 cities, 366 school districts, 247 private schools, 535 special districts, 4,693 non-profits.

X-dates: 7/1, 1/1

Risk View: Conceal Carry is decided by each school

Marketplace: ICAP and pools are very strong as is EMC paying package and WC dividends.

Kansas

Strategic Business Units

• Package Programs for:
  • K-12, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Fiduciary Liability for Pension Funds
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Environmental Pollution & Storage Tank Liability
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Kansas Analysis

Opportunity: 105 counties, 2,048 cities, towns, townships, 316 school districts, 238 private schools, 1,531 special districts, 7,565 non-profits.

X-dates: 1/1, 4/1, 7/1 various others

Risk View: Favorable Tort laws and caps, Wind/Tornado exposure, tough legal environment in metro areas.Conceal carry for schools allowed by law, may be issue for colleges.

Marketplace: KCAMP (Counties), KASB (WSI Program), PAK Program, EMC dividend program tough to beat.

Kentucky

Strategic Business Units

• Package Programs for:
  • K-12, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 118 counties, 418 cities, 174 school districts, 362 private schools, 628 special districts, 4,001 non-profits

X-dates: 7/1

Risk View: Conceal Carry weapons only allowed in locked cars in parking lots.

Marketplace: Pools have market share with several admitted carriers placing K-12 public schools and City/County Governments.

Louisiana

Strategic Business Units

• Package Programs for:
  • K-12, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Parish Governments
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Cyber Liability & Environmental Liability
• Active Shooter Coverage
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Coastal Property named windstorm and deductible buy down
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 60 parishes, 304 cities, 131 school districts, 409 private schools, 96 special districts, 3,750 nonprofits.

X-dates: 7/1, 9/1, 1/1 and various others

Risk View: Conceal Carry prohibited by law.Coastal property / wind issues.

Marketplace: Pools are a major factor, most accounts on SIR or need to be on SIR, One Beacon and Travelers first dollar for cities and parish governments.

Maine

Strategic Business Units

• Package Programs for:
  • K-12, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• Conceal Carry Firearm Coverage for Schools
• Cyber Liability
• Inmate Medical Expense Reimbursement Program
• Law, Public Officials & Educators Legal Liability
• Student Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Maine Analysis

Opportunity: 16 counties, 22 municipalities, 466 Towns/other, 299 school districts, 173 private schools, 248 special districts, 13,581 non- profits.

X-dates: 7/1

Risk View: Coastal property exposureand favorable legal environment for public sector. Conceal carry decided by school policy.

Marketplace: MMARM pool competitive for cities, County pool strong, MSMA Insurance Trust dominates schools.

Maryland

Strategic Business Units

• Package Programs for:
  • K-12, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Liability
• Inmate Medical Expense Budget Protector
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are the leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 23 counties, 157 cities, 25 school districts, 864 private schools, 167 special districts, 4,679 nonprofits.

X-dates: 7/1, 1/1 and various others

Risk View: Conceal Carryis decided by schools.

Marketplace: Pools dominate the market with a few admitted carriers writing schools and cities. Coastal property exposure.

Massachusetts

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• Cyber Liability & Environmental
• Inmate Medical Expense Reimbursement Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity & school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 5 counties, 351 municipalities, towns/townships, 332 school districts, 959 private schools, 423 special districts, 1,100 non-profits.

X-dates: 7/1 public entities/schools, various other classes.

Risk View: Conceal Carry prohibited. Coastal property exposure, auto cat fund issues and limited waiver of immunities.

Marketplace: MAIIA dominates the municipal and school market with over 90% placed. MEGA a major force for schools and municipalities.

Mississippi

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane are a leading specialist in our field and look forward to working with you.

Mississippi Analysis

Opportunity: 82 counties, 296 cities, 152 school districts, 235 private schools, 458 special districts, 2,936 non-profits

X-dates: 7/1, 10/1, 1/1

Risk View: Conceal Carry limited, but allowed by law. Limited coastal exposure. Some ITV issues on property.

Marketplace: Zurich schools and counties, One Beacon, Travelers and the Pools.

Missouri

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Cyber Liability & Environmental Liability
• Active Shooter Coverage
• Environmental Pollution & Storage Tank Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Missouri Analysis

Opportunity: 115 Counties, 1,470 cities, 524 school districts, 900 private schools, 1,809 special districts, 15,000 non-profits

X-dates: 7/1, 12/31 and 1/1 schools & PE

Risk View: Missouri is a great state to write business with favorable Governmental Immunities. Property issues with Wind, Hail and Earthquake exposures are medium to high.

Marketplace: The Pools, MUSIC (Schools) and MOPERM (Public Entities) are tough competition, shared limits a problem.

Montana

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Fiduciary Liability
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Environmental Pollution & Storage Tank Liability

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 54 counties, 129 cities, 319 school districts, 122 private schools, 763 special districts, 2,413 nonprofits.

X-dates: 7/1

Risk View: Conceal Carry schools decide weapons policies.

Marketplace: Pools dominate the market with a few admitted carriers writing schools & PE. PC 8-10 can be a property issue.

Nevada

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental Liability
• Inmate Medical Expense Budget Protector Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 16 counties, 19 cities, 18 school districts,173 private schools, 139 special districts, 2,391 nonprofits.

X-dates: 7/1

Risk View: Conceal Carry decided by schools.

Marketplace: Pools have market share with SIR carriers writing larger cities and counties. No CAT exposure.

New Hampshire

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• Cyber Liability
• Environmental, Pollution, Storage Tanks, etc.
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity, school and non-profit premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 10 counties, 13 municipalities, 221 towns/townships, 174 school districts, 352 private schools, 137 special districts, 1,923 non-profits.

X-dates: 7/1, 1/1

Risk View: Conceal Carry policy decided by schools,

Marketplace: PRIMEX Pool dominates small/medium public entities, Trident and a few other admitted carriers writing business.

New Mexico

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Private Colleges & Universities
  • Cities, Counties, Towns
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• JailCore Risk Management Program
• Active Shooter Coverage
• Cyber Liability & Environmental
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 33 counties, 103 cities, 96 school districts, 213 private schools, 631 special districts, 2,260 nonprofits.

X-dates: 7/1

Risk View: Inmate Medical Expenses for Jails are on the rise.

Marketplace: Most schools & public entities are in the Pools other than a few larger self-insured retentions. Some Law/Jail issues and property PC 8-10 exposure.

New York

Strategic Business Units

• Package Programs for:
  • K-12 Private, Charter Schools
  • Private Colleges & Universities
  • Non-Profit & Social Services
  • Large public entity Self Insured Retentions
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• Cyber Liability & Environmental, Storage Tanks
• Fiduciary Liability & Crime
• Inmate Medical Expense/Bill Review/Reporting Program
• JailCore Risk Management Program
• Monoline, Tough Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 62 counties,1,543 cities, 679 school districts, 2,011 private schools, 1,174 special districts, 10,706 non-profits.

X-dates: 7/1, 6/1, 1/1 and various others

Risk View: Conceal Carry for schools prohibited by law.

Marketplace: Very little CAT exposure, property ITV issues in some areas. NYMIR & NYSIR are the dominant force in public schools and public entities.

North Carolina

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity, school and non-profit premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 100 counties, 553 cities, 244 school districts, 724 private schools, 320 special districts, 5,405 non-profits.

X-dates: 7/1, 1/1

Risk View: Conceal Carry weapons only allowed in locked cars in parking lots

Marketplace: Pools are a major factor. Coastal wind exposure, flood can be an issue and rural PC 8-10 property.

Ohio

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Special Districts, Water, Sewer, etc.
  • Non-Profit & Social Services
• Buffer Workers Compensation / SIR Buy Down
• Pollution Liability, Storage Tanks, etc
• Active Shooter Coverage
• Cyber Liability
• Inmate Medical Expense Reimbursement/Bill Review/Reporting
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Crime & Fiduciary Liability
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 88 counties, 2,245 cities, 668 school districts, 1,124 private schools, 841 special districts, 11,877 non-profits.

X-dates: 7/1, 1/1 and others.

Risk View: Conceal Carryis prohibited by law.

Marketplace: Pools, pools, pools and most of the admitted markets that specialize in schools and public entities write here. Good legal environment and tort laws.

Oklahoma

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Pollution
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 77 Counties, 597 cities, 584 school districts, 219 private schools, 42 colleges & universities, 1,900 special districts, 4,612 non-profits.

X-dates: 7/1 for schools and public entities

Risk View: Conceal Carry weapons policies are decided by schools.

Marketplace: County Pool and school pools around forever, some standard market opportunity. Travelers and One Beacon write some business here. Property wind/hail issues.

Oregon

Strategic Business Units

• Package Programs for:
  • K-12 Private, Charter Schools
  • Private Colleges & Universities
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability
• Inmate Medical Expense / Bill Review / Reporting Program
• Tough to place Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• Environmental Pollution & Storage Tank Liability
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 479 private schools, 24 private colleges, 4,386 non-profits.

X-dates: 7/1 and various others for private schools

Risk View: Conceal Carry allowed by law, but schools limit locations and who carriers.

Marketplace: Pools dominate the public school, city/county market. Some PC 9-10 property issues, decent tort laws.

Pennsylvania

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships
  • Municipalities, Boroughs
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program for County Jails
• Pollution and Storage Tank Liability

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Pennsylvania Analysis

Opportunity: 67 counties, 2,140 cities, boroughs, townships, 605 school districts, 2,564 private schools, 1,500 special districts, 7,400 non-profits.

X-dates: 1/1, 6/1, 7/1, 12/31 and various others.

Risk View: Conceal Carry policy decided by schools. Very favorable legal climate for public sector, no CAT issues.

Marketplace: PSBA (Church Mutual) has school market share, Liberty, Selective, EMC, Travelers and other admitted markets place school and municipal accounts.

Rhode Island

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental, Storage Tanks
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialists in our field and look forward to working with you.

Market Analysis

Opportunity: No counties, 47 city/town/municipal governments, 36 school districts, 196 private schools, 91 special districts, 1,135 non-profits.

X-dates: 7/1

Risk View: Conceal Carry policy decided by schools. Low tort cap Favorable to public entities. Coastal property exposure.

Marketplace: Rhode Island Inter local Risk Management Trust
dominates. A few admitted markets.

South Carolina

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Storage Tanks, Environmental
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 46 counties, 334 cities, 96 school districts, 410 private schools, 500 special districts, 2,571 non-profits.

X-dates: 1/1, 7/1

Risk View: Conceal Carry allowed only in locked cars in parking lots. Coastal exposure, limited tort protection.

Marketplace: South Carolina School Boards dominates public schools, SC Municipal Trust for public entities. A few admitted markets available.

Tennessee

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage
• JailCore Risk Management Program
• Cyber Liability & Storage Tanks, Pollution
• Inmate Medical Expense/Bill Review/Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 92 counties, 345 cities, 14 school districts, 543 private schools, 465 special districts, 3,772 non-profits.

X-dates: 7/1, 9/1, various others

Risk View: County Jails Inmate Medical Expenses on the rise!

Marketplace: TML is strong, some admitted markets write schools. County pool has market share.

Utah

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Environmental, Storage Tanks
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity, school and non-profit premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 29 counties, 245 cities, 41 school districts, 176 private schools, 307 special districts, 2,944 nonprofits.

X-dates: 7/1 and various others.

Risk View: Conceal Carry is permitted by law.

Marketplace: UCIP & URMMA pools are major players with a few admitted markets writing business.

Virginia

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Pollution, Storage Tanks
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are the leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 95 counties, 229 cities/municipalities, 2,093 school districts, 938 private schools, 193 special districts, 10,332 non-profits.

X-dates: 7/1, 10/1 various others

Risk View: Conceal Carry schools decide weapons policy.

Marketplace: VACO very strong with other pools dominating the marketplace. Several standard markets writing self-insured retentions.

Wisconsin

Strategic Business Units

• Package Programs for:
  • K-12 Public, Private, Charter Schools
  • Colleges & Universities
  • Cities, Counties, Townships, Municipalities
  • Special Districts, Water, Sewer, etc.
• Buffer Workers Compensation / SIR Buy Down
• Active Shooter Coverage, Conceal Carry
• Cyber Liability & Pollution, Storage Tanks
• Inmate Medical Expense / Bill Review / Reporting Program
• Law, Public Officials & Educators Legal Liability
• Student Accident & Volunteer Accident
• JailCore Risk Management Program

Specialty Markets:

• Single Risk Self-Insured Retention-Casualty All Lines
• Single Risk Excess High Limits
• Excess Workers Compensation

Apex places over $282,000,000 of public entity and school premium. We stay in our lane, are a leading specialist in our field and look forward to working with you.

Market Analysis

Opportunity: 72 counties, 1,851 cities, 440 school districts, 915 private schools, 765 special districts, 6,266 non-profits.

X-dates: 7/1, 1/1, various others

Risk View: Conceal Carryis allowed by law, but schools limit locations and who carries weapons.

Marketplace: Pools are competitive and many admitted markets are offering school & public entity package. No cat issues.

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