Public entity reinsurance


Markel’s public entity reinsurance team provides customized solutions for governmental risk pools, trusts, reciprocals, and JPAs.

Target classes

  • Municipalities (cities, towns, villages)
  • Schools (public, K-12, community colleges, charter)
  • Special districts (water, sewer, park)
  • Public housing authorities
  • Non-profits
  • Counties



  • General liability
  • Auto liability
  • Police professional
  • Public officials E&O
  • School board E&O
  • Incidental medical malpractice
  • Employment practices liability
  • Employee benefits
  • Garage keepers legal liability


  • Minimum SIR of $100,000
  • Minimum premium $350,000
  • Offer reinsurance or direct excess insurance as excess of loss with up to $10m in capacity. On reinsurance placements we can consider participating along with other markets.



  • $50m in all risk capacity
  • $25m of flood and earthquake coverage
  • Up to $10m in California earthquake
  • Up to $10m critical wind

DataBreachsm (cyber liability)

Available coverages

Liability arising from

  • Identity theft
  • Privacy violations
  • Malicious use of the member's system
  • Distribution of virus, malware, or other harmful code
  • Regulatory investigations, including PCI-DSS actions

Breach mitigation expenses such as

  • Notification to affected individuals
  • Voluntary credit monitoring
  • Public relations expenses
  • Legal fees and other necessary expenses incurred to comply with security breach notice laws

DataBreach loss to member (first-party coverage)

  • Data and system restoration
  • Extra expense to remain functional while recovering from an incident
  • Forensic investigation
  • Loss of money, securities, or other financial instruments
  • Extortion demands

Electronic media liability arising out of the content of the member's website

  • Libel, slander, or defamation
  • Invasion of privacy or infringement of the right of publicity
  • Emotional distress, mental anguish
  • Copyright, service mark, trademark infringement

Product sheet

Public entity reinsurance leadership

Jed Rhoads
President and Chief Underwriting Officer

Phil Freda
Head of Public Entity Reinsurance

Markel Global Reinsurance underwriting contacts

View the directory

Public entity offices

  • Richmond, Virginia

View all Markel office locations