Protecting Texas Schools and Counties — Since Day One

Our school district programs typically include property coverage for buildings and contents, general liability, excess liability, workers' compensation, fleet and school bus coverage, and student accident insurance. Programs are customized to each district's specific exposures and budget.

Pricing for school districts is based on factors including total insured values, student enrollment, fleet size, loss history, and coverage limits selected. We structure billing to align with your district's fiscal year and budget cycle — typically July 1 renewals.

Yes. Our school district programs are designed with TEA compliance requirements in mind. We stay current with Texas Education Agency guidelines and ensure our coverage structures meet all applicable state requirements for public school districts.

Yes, we provide coverage for open-enrollment charter schools and Education Service Centers in addition to traditional ISDs. Coverage is tailored to the specific governance structure and exposures of each entity.

Texas counties and municipalities typically need general liability, property coverage for buildings and infrastructure, law enforcement liability, public officials' errors & omissions (E&O), employment practices liability, and auto/fleet coverage. We build programs around your entity's specific operations.

Law enforcement liability covers claims arising from police operations including wrongful arrest, excessive force, civil rights violations, and related exposures. Coverage limits and terms are tailored to the size of your department and your jurisdiction's risk profile.

Public officials' errors & omissions (E&O) protects elected and appointed officials against claims alleging wrongful acts in the performance of their duties — including decisions, actions, or failures to act. It's essential protection for commissioners courts, city councils, and appointed boards.

When a claim occurs, you contact our dedicated claims team directly. We assign a specialist familiar with public entity claims who will guide you through the process, coordinate with adjusters, and keep you informed at every step. Our goal is fast, fair resolution with minimal disruption to your operations.

We acknowledge all new claims within one business day and assign a dedicated claims handler within 24–48 hours. For urgent situations — such as property damage affecting school operations — we prioritize same-day response.

Yes. Coverage limits and deductibles are fully customizable based on your entity's risk tolerance, budget, and specific exposures. We work with you to find the right balance between premium cost and coverage adequacy.

You can request a quote by completing our online quote request form, calling us at 210-260-5275, or emailing [email protected]. We'll gather information about your entity and current coverage, then prepare a customized proposal — typically within 5–7 business days.

To prepare a quote, we typically need: entity name and type, current coverage declarations pages, loss runs for the past 3–5 years, total insured property values, number of employees, fleet inventory (if applicable), and any specific coverage requirements or concerns.

We recommend beginning the renewal process 90–120 days before your policy expiration. This allows adequate time to gather information, prepare proposals, present to your board if required, and complete the binding process without rushing.

Yes. We work with independent agents and brokers throughout Texas. If you have an existing agent relationship you'd like to maintain, we can work through them. We also work directly with entities that prefer a direct relationship.