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An Insurance Program Made for Municipalities

Municipality Employees working

Protection your clients deserve.

Municipalities are the backbones of their communities, and a community is strongest when we all work together. Team up with a carrier who recognizes the importance of their efforts and the exposures they face every day. We advocate for the municipal sector so they can continue to provide the services their residents count on.

Our program is available in most states across the country and has been protecting municipalities since 1987.

States where coverage is available

Coverage Highlights

  • Underwritten by an A.M. Best “A” (Excellent) XV rated carrier
  • Underwriters educated in the municipal sector
  • Coverage available in most states
  • 21 property enhancements
  • General liability pollution exclusion exceptions
  • Replacement cost for emergency service equipment
  • Defense cost outside the limit
  • Excess liability with underlying continuity

Think you've seen insurance for municipalities before?

Think again! While working for the greater good of the public, your clients take on a lot. Provide some relief and keep their efforts going strong. Offer them complete coverage that's tailored to their needs so they can keep their property, employees and community members safe and secure.

A safe community benefits everyone. Find property and general liability insurance as well as law enforcement activity liability, privacy crisis management expense including employment practices liability and more.

Enjoy personalized service supported by a global enterprise.

Glatfelter is proud to be an AIG company.

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Serving municipalities up to 30,000 in population, including:

  • Cities
  • Towns
  • Townships
  • Villages

There's a large list of other types of public entities that provide important services for their neighbors—and their work doesn't go unnoticed. While many of these entities fall under the municipal sector, some work independently. Tap into these markets—we have your back.


We also help protect:

  • Redevelopment and development agencies
  • Library Boards
  • Cemetery Districts
  • Parking Authorities
  • Park or Recreation Districts
  • Improvement and Reimprovement Authorities
  • Investment and Reinvestment Agencies
  • Finance Authorities
  • Councils of Government
  • Downtown Development Authorities
  • Tourism Boards
States where coverage is available

We offer:

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Fireman talking to EMT

Emergency services—we've got them covered

Emergency services like fire departments, ambulance and rescue squads and 911 centers are critical to a community in the event of a crisis. Many municipal administrators and officials often control their budgeting and can be key decision-makers when selecting insurance for their ESOs―and we have your municipal clients covered!

Through VFIS (another division of Glatfelter), the pioneer and leading provider of specialized insurance for emergency services, we offer a wide variety of insurance solutions, risk management resources and education and consulting services tailored specifically for the fire and EMS community.

Check out our program to see how your municipal clients can help make sure the people protecting their community members are staying protected themselves.

Browse VFIS Coverages
Workers using remote controlled drone

It's all about client safety.

Drone use, crisis events, dealing with the media—municipalities face a wide range of vulnerabilities. And we're here to help you address them. Our risk resources were created by experts with first-hand industry experience, so you can promote your clients' safety in quick, easy ways.

Visit our Risk Management section to tap into downloadable communiques, checklists, self-assessments and infographics—and pass them along to clients with a few quick clicks. It's never been easier to help them increase safety and efficiency.

Browse Risk Resources

Have questions about our products? We have answers!

Check Out Our FAQs