Public Entities

Effectively managing risk in that the public sector faces requires the assistance of a broker who understands the distinct exposures of public entities and one who can work with you in developing a program that best meets your needs.

IOA is prepared to assist you with all your risk management needs whether you are a:

Municipalities
Counties
Public School Systems (K-12)
Public Utilities (Water, Sewer, Gas, Electric)
Special Purpose Districts

Services & Products for the Public Entities industry include:

Commercial Property
Business Income
Commercial Inland Marine
Boiler and Machinery
Commercial Crime
Commercial Automobile
Garage
Aviation
Commercial General Liability
Workers’ Compensation and Employer’s Liability
Fiduciary Liability
Medical Professional Liability
Environmental Impairment Liability
Airport Liability
Excess and Umbrella Liability
Public Officials Liability

Police Professional Liability
Public Officials Bonds

IOA’ s “Total Cost of Risk” Service
IOA has established what we call the “Total Cost of Risk Service Program” to ensure that all client service needs are identified and met. Superior service requires planning, organization and continuous monitoring. IOA’s “Total Cost of Risk Service Program” enables us to provide an unmatched level of service.

Our Goals

Understand your concerns and work with you to establish objectives.
Provide you with cost effective solutions for your insurance and risk management needs.
Act as a resource, supplement or function as your in-house Risk Management Department.
Anticipate needs and create solutions.
Be accountable for our goals.