Industries

Public Sector Insurance

Public sector entities, from local governments and municipalities to state departments and public-private partnerships, are under pressure to do more with less. Rising litigation, cyber threats, ageing infrastructure, and political scrutiny are testing their resilience at every level. At the same time, climate risk, social unrest, and global health events are redefining what public risk looks like.

Brokers serving the public sector need a partner who understands the operational, regulatory, and reputational sensitivities that define this space. At Price Forbes, we work behind the scenes with retail brokers to deliver tailored, scalable risk solutions for public institutions through the London and Bermuda markets. 

Risk Solutions for Public Sector Clients

We support brokers placing complex and high-exposure public sector risks, including central and local government bodies, transportation authorities, utilities, and health and education institutions. Key insurance solutions include:

Why Partner with Price Forbes?

  • Public sector expertise – We understand budget cycles, procurement rules, indemnity limits, and board sensitivities.
  • London and Bermuda access – Unlock global capacity for risks excluded or restricted in domestic public sector pools.
  • Global broker collaboration – We work in partnership with brokers to support client tenders, renewals, and programme reviews.
  • Specialist structuring – From captives to catastrophe layers, we help you build robust, multi-year solutions that stand up to audit and challenge.
  • Discretion and diligence – We work quietly and constructively, supporting public clients without fanfare.

Public Sector Insurance

Frequently Asked Questions

Yes. Many public sector institutions access specialist markets for excess layers, restricted perils, or hard-to-place risks. We help brokers navigate procurement and coverage structuring to ensure compliance.

Common claims include breach of duty, mismanagement of funds, employment practices disputes, and regulatory actions. D&O-style policies can be tailored for public boards, councils, and departments.

Yes. Public bodies are frequent targets for ransomware and data theft due to the sensitive nature of their systems and often limited in-house cybersecurity. Insurance can support incident response, legal costs, and business interruption.

Absolutely. We can design excess layers, parametric triggers or catastrophe bonds that support self-insured retention structures or municipal risk pools.

Yes. We structure coverage for pooled risk groups, public-private partnerships, and regional authorities with shared liability exposures.

Let's Talk

Our insurance experts are always on hand to talk about ways we can join forces to take on the future.

Contact Us