Programs

Specializing in Insurance Solutions for Local and State Governments, Public and Private School Systems, Special Districts, Utility Operations and Higher Education since 1992.

First Dollar Package Placement

    • 1. General Liability including Employee Benefits
    • 2. Property, Inland Marine, Equipment Breakdown
    • 3. Auto Liability & Auto Physical Damage
    • 4. Crime
    • 5. Public Officials Liability / Employment Practices
    • 6. Law Enforcement Liability
    • 7. School Board Liability / Employment Practices
    • 8. Excess Liability
    • 9. Workers Compensation

Excess Liability

Apex can provide up to $200 million in additional protection over your General Liability, Auto Liability, Public Officials and Employment Practices Liability, Law Enforcement Liability and School Board Legal Liability.

    • a. Individual Risks and Pools
    • b. Pay On Behalf Form
    • c. Defense Costs Outside Policy Limits
    • d. Coverage Tailored to Respond to Individual Needs
    • e. A++ Rated Carriers
    • f. Public Entity and Educational
    • g. Competitive Pricing

Excess Workers Compensation

Apex utilizes mainstream and specialized Excess Worker’s Compensation markets to help place coverage for almost anything in the public entity sector, including schools, cities, counties, special districts, & pools.

    • a. SIR Attachments as low as $100k
    • b. Buffer layers
    • c. Individual Risks and Pools
    • d. Competitive Pricing

Excess Property

Apex provides Excess Property for pools and individual accounts with low attachment points. Our carriers are a mix of “A” rated admitted and approved surplus lines carriers.

    • a. Limits up to $1,000,000,000
    • b. Buffer layers
    • c. Quota share
    • d. Follow form over Primary & Reinsurance

Public Officials & School Board Liability

    • 1. Occurrence & Claims Made Forms
    • 2. Full Prior Acts or Retro Date
    • 3. Defense Costs Outside Policy Limits
    • 4. Extended Reporting Period
    • 5. Employment Practices Liability included
    • 6. “A” Rated admitted and approved surplus lines carriers
    • 7. Sub-limits available for Non-Monetary Claims & Back Wages

Law Enforcement Liability

    • 1. Occurrence & Claims Made Forms
    • 2. Death in the Line of Duty Benefit
    • 3. Intentional Acts
    • 4. Violation of Civil Rights
    • 5. Includes Assault & Battery
    • 6. Defense Costs Outside the Policy Limits
    • 7. “A” Rated admitted and approved surplus lines carriers
    • 8. Approved moonlighting and separate moonlighting policy available

Pool Reinsurance/Excess Placement

Apex Insurance Services provides excess / reinsurance placement coverage for over 70 public entity and educational pools / trusts across the nation.

    • a. All Lines Aggregate
    • b. Full Excess & Reinsurance
    • c. Special Events Coverage
    • d. Property – including coastal
    • e. Pool Startup Opportunities Considered

Speciality Lines

Apex is a leader in developing and offering specialty coverage for public entities and schools.

    • a. Environmental Liability
    • b. Bonds
    • c. Cyber Liability
    • d. Fiduciary Liability for Retirement and Pension Funds
    • e. Pool or Trust Errors & Omissions and Directors & Officers Liability
    • f. Special Events
    • g. Difference in Conditions (Flood & Earthquake)

A Division of Brown & Brown, Inc.