public entity

United States Capitol Building in Washington DC with American Flag

Public entities face complex risks, exposures and employee benefit needs that are significantly different than those faced by private companies.  Experts in government insurance, Midlands specializes in the ever-evolving public entity insurance sector.  For innovative coverage solutions, industry-best risk management and claims services, tailored to meet each client’s specific needs, Midlands is the clear choice.


  • Property
  • General liability
  • Crime and fidelity
  • Employee benefits programs including workers’ compensation
  • Automobile
  • Errors and omissions
  • Law enforcement liability
  • Employment practices liability
  • Umbrella/excess liability
  • Clash coverage standard
  • Enhanced property and liability terrorism


  • Indemnity forms for Public Entities, Schools, Religious Entities and Higher Education
  • High excess of loss package options
  • Follow form reinsurance that ‘follows the fortunes’ of the client’s memorandum of coverage is available
  • Risk retention options as low as $25,000
  • Quoting is available with or without workers’ compensation coverage
  • Coverage is available for Nursing Home Liability, EMTs and healthcare clinics
  • Optional coverage for student practicum liability
  • Full EPL including Sexual Harassment and Abuse coverage is available
  • Basket aggregate loss fund that is applicable to all lines available
  • Multiple lines clash coverage is available


Email the following to


Richard Bird
(405) 898-8042