Map Your Land of Opportunity with Cities and Counties
Cities and counties do have unique exposures but they can be a profitable way to diversify your book of business.
TRAVELERS
THE SAVVY AGENT’S GUIDE TO CITIES AND COUNTIES
MAP YOUR LAND OF OPPURTUNITY WITH CITIES AND COUNTIES
THERE ARE NEARLY 39,000 cities and counties in the U.S.1
REPRESENTING AN AVERAGE OF $250,000+ in annual premium2
CITIES AND COUNTIES HAVE UNIQUE OPERATIONS
Public Safety
Street and road maintenance
Parks and recreation
WITH UNIQUE RISKS
PROFESSIONAL LIABILITY EXPOSURES
Law enforcement, social services and other operations can mean a strong need for professional liability coverage.
Employment (EPL) and Management Liability (PEML): Cities, counties and their employees can face accusations of harassment and wrongful termination, as well as permit and zoning violations.
Law Enforcement Liability (LEL): Law enforcement personnel face many exposures, including wrongful arrest, excessive use of force and jail operations.
Cyber: Public entities face risks related to the security of their network systems and personally identifiable information.
PROPERTY AND CASUALTY EXPOSURES
With broad, unique and specialized operations, cities and counties can have complex insurance needs.
Property: Municipalities often have multiple property locations and physical concentrations of high-value buildings.
Auto: Public entities face exposures related to police and fire vehicles, ambulances, utility trucks and distracted driving.
Workers Comp: Cities and counties have large workforces performing a wide variety of physical tasks.
POSITION YOURSELF TO WIN
Know a city or county’s current carrier and existing coverages.
Maintain visibility and actively show your knowledge of unique city and county needs.
Pay attention to the city council or board of directors.
Prepare a detailed comparison of carrier quotes and deliver it in person.
Remember that it can take more than one purchasing cycle to win.
WORK WITH TRAVELERS TO SERVE AND PROTECT MUNICIPALITIES
We serve small, medium and large public entities. And, with an understanding of local legal and regulatory dynamics, Travelers can support you at every step, including:
Prospecting local cities and counties
Delivering presentations
Providing proposals
Closing deals
Learn more about working with municipalities, including understanding the key players, by reading the Savvy Agent’s Guide to Cities and Counties.
12012 U.S. census of Governments data.
2Based on cities and counties served by Travelers.
The Travelers Indemnity company and its property casualty affiliates. One Tower Square, Hartford, CT 06183
This material does not amend, or otherwise affect, the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss, all applicable policy or bond provisions and any applicable law. Availability of coverage referenced in document can depend on underwriting qualifications and state regulations.
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The Savvy Agent's Guide to Cities and Counties
Learn how to successfully serve cities and counties, the ins and outs of the insurance purchasing process and how to establish yourself with key players.
