Appetite Guide & FAQs
Who do we insure?
We're answering independent brokers' and public entity administrators' top questions about our specialized insurance program and insuring public entities.
Finding the right fit for you.
Are we a good fit for your needs? We hope so—but only you can be sure. That's why we provide as many program details as possible up-front, including answers to some commonly asked questions to help you understand your options and make the right decisions for your public entity.
Frequently asked questions
We proudly serve the following:
- Water Entities
Learn more about the water entities we protect. - Municipalities
Learn more about the municipalities we protect. - Educational Institutions
Learn more about the schools we protect. - Independent School Bus Contractors
Learn more about the school bus contractors we protect. - Other Public Entity Insurance Markets
Learn more about additional public entities we protect.
We can write water entities in all states except Alaska and Hawaii.
We write municipalities in all states except Alabama, Alaska, Hawaii, Kentucky, Louisiana, and West Virginia. Casualty lines are available in Florida, Kansas, Oklahoma, and Texas.
We can write K-12 public school districts in all states except Alaska, Delaware, Hawaii, llinois, Kentucky, Mississippi, New York, Texas and West Virginia.
Limited coverage is available in Arkansas, Iowa, Florida, Kansas, Louisiana, Missouri, Nebraska, North Carolina, Oklahoma and Pennsylvania. Casualty lines are available in Florida, Kansas, and Oklahoma.
We can write private and select religious schools (without dormitories) in all states except Alaska, Hawaii, Kentucky, and Oklahoma.
We can write charter schools (without dormitories) in all states except Alaska, Hawaii, Iowa, Kansas, Kentucky, Montana, North Dakota, Nebraska, Oklahoma, South Dakota, Vermont, Virginia, and West Virginia.
We can write community and junior colleges (without dormitories) in all states except Alaska, Delaware, Hawaii, Illinois, Kentucky, Mississippi, New York, Texas, and West Virginia.
Limited coverage is available in Arkansas, Iowa, Florida, Kansas Louisiana, Missouri, Nebraska, North Carolina, Oklahoma, and Pennsylvania. Casualty lines are available in Florida, Kansas, and Oklahoma.
We can write independent school bus contractors in every state except Alaska, Hawaii, Kansas, and Oklahoma.
We can write other public entities in all states except Alabama, Alaska, Hawaii, Kentucky, Louisiana, and West Virginia. Casualty lines are available in Florida, Kansas, Oklahoma, and Texas.
- Water Entities
Find coverages available for water entities. - Municipalities
Find coverages available for municipalities. - Educational Institutions
Find coverages available for schools. - Independent School Bus Contractors
Find coverages available for school bus contractors. - Miscellaneous Public Entities
Find coverages available for additional public entities. - Specialty Benefits
Find specialty coverages available for public entities.
We're proud to work with independent brokers across the nation to distribute our products.
- Brokers
Glatfelter does not require agency appointments. Any agent may write with us. You can learn more about a partnership with Glatfelter here.
- Public Entities
Reach out to your broker and let them know you'd like to explore your options with us. If you don't have a local insurance broker, just let us know and we'll be happy to help identify a good agent in your area.
Please send completed submissions to submissions@glatfelterpublicentities.com.
Turn-around expectations:
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For water and municipal submissions, we ask for at least 20 days.
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For educational entities and school bus contractors, we ask for at least 30 days.
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If you have not heard back within that time frame, please feel free to reach out to our underwriting team.
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- Does my agency need to be appointed to write with GPE?
No, Glatfelter does not require agency appointments. Any agent may write with us.
- Minium premium concerns?
While each line of business has a filed minimum, effectively, there are no minimum account sizes.
- Does your program consider Self Insured Retentions (SIRs)?
Our programs are first dollar programs, so there are no SIRs or deductibles.
- Who is the primary insurance carrier?
We are an AIG company with an A.M. Best rating of “A” (Excellent).
Several factors can affect the price of insurance. We generally take the following into consideration:
- Type of entity
- Size of property, district or building
- Population size served
- Claims history
- Your location and common risks associated with the area.
No, but we do offer premium payments on installments based on the amount of your total annual policy premiums. Your local insurance broker can also help you find an appropriate premium financing company. There is no additional fee for paying on installments.
What is...
This coverage is intended to help organizations financially respond to allegations of sexual abuse. Unless an insurance policy specifically mentions this product, it's not safe to assume it's included under general liability—so be sure to ask your agent about it.
This coverage is intended to help organizations financially respond to allegations of sexual abuse. Unless an insurance policy specifically mentions this product, it's not safe to assume it's included under general liability—so be sure to ask your agent about it.
If an insurance policy mentions “agreed value”, you and your insurer will “agree upon” the value of certain items in your facility. If these items require replacement under the conditions of the policy, you will be given that amount to help make your organization whole again..
When there is more than one type of property at the same location or the same kind of property at multiple locations, some insurers will offer “blanket” coverage to cover them all.
Crime coverage helps protect against various types of crimes. Each policy is different and you should ask what types of crimes yours specifically protects against. Some key coverages to consider includes employee theft, robbery and computer fraud.
This coverage helps protect board members, teachers and staff in the event of wrongful acts claims.
Excess refers to higher coverage limits that can be purchased to help protect your organization.
General liability, also referred to as GL, can cover a wide variety of exposures—and it's important to know which coverages are included in your policy.
This covers liability expenses resulting from accidents that involve rental or employee-owned vehicles being used for business purposes.
This coverage helps protect law enforcement and security personnel and their actions while working to protect your organization and/or citizens.
Our Broker Support Team is dedicated to supporting independent agents and helping you find the resources you need. Please reach out to us with any questions—we're always happy to help.