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Public Entities

Trusted protection for communities that serve us all

From schools and municipalities to special districts, Wells helps public entities protect assets, people, and reputations with tailored coverage that strengthens community resilience.

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Effective coverage isn’t just about policies—it’s about protecting the people, assets, and decisions that keep your community running.

Public entities face unique exposures—from employment practices to law enforcement liability and cyber incidents. Wells helps you identify these risks and develop coverage that withstands today’s challenges.

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Lowest premium doesn’t equal lowest cost. We help you evaluate the total cost of risk—balancing affordability with protection that prevents costly uncovered claims.

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Boards and administrators are under constant scrutiny. Our team provides the confidence and documentation you need to demonstrate sound governance and due diligence.

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Confidence in Every Policy

Building public trust starts with responsible risk management

Wells understands the public accountability and fiscal pressure local governments face. Our approach reduces total cost of risk—not just premiums—through proactive planning and experienced guidance.

Financial Stability

Access to leading national carriers with proven strength and reliability.

Specialized Knowledge

Understanding of governmental exposures, regulations, and community risk.

Responsive Claims Advocacy

Assistance that minimizes disruption and keeps public services moving.

Proactive Risk Control

Training, safety resources, and planning tools to reduce loss frequency.

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Testimonials

"They’re a partner who understands the realities of working with public funds and boards. Every recommendation feels grounded and responsible.”

S.E.

Town Manager, Coastal Municipality
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Tools That Empower Safer Communities

Training and compliance resources that strengthen your team

Our client portal provides 24/7 access to risk management materials, safety training, and HR compliance guides—all designed to help your staff work confidently and responsibly.

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Tools That Empower Safer Communities

Let’s safeguard what matters most.

Partner with Wells to protect your community’s future.

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Why Public Entities Choose Wells

Our century of experience, national partnerships, and focus on responsible risk management help public institutions operate with confidence.

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01

Transparent guidance built on public accountability.

02

Risk strategies that reduce claims and control costs.

03

Coverage solutions tailored to complex exposures.

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Power in Partnership

Global reach with local accountability

As an equity partner in Assurex Global, Wells connects clients to specialized markets and benchmarking data across the country—helping public entities make informed, defensible coverage decisions.

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Our network brokers over $644.3 million in public entity premium and currently serves 4,005 public sector clients, providing Wells with the insight, reach, and resources to deliver programs built on best practices and peer benchmarking - without losing the human touch that your entity still deserves.

Learn more about us and Assurex
$644.3M
Public Entity Premium Brokered Through Assurex
800+
Public Entity Clients Served Via Assurex
100+
Years of Wells Local Stewardship

Common Questions from Public Entities

Addressing the most frequent concerns we hear from schools, municipalities, and public boards.

Ready to reduce your total cost of risk?

Let’s build a proactive program designed for public accountability and long-term protection.

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We analyze your total cost of risk, not just premiums. Our advisors identify loss trends, training gaps, and opportunities for efficiency that reduce your overall exposure.

Cyber incidents, employment practices, and environmental exposures continue to rise. Wells helps ensure your coverage stays ahead of emerging risks.

Yes. Our online portal and training library help you build a culture of prevention through safety courses, compliance resources, and employee development.

A dedicated claims advocate will coordinate communication and follow-through, helping you maintain transparency and meet public record requirements.

Ready to reduce your total cost of risk?

Let’s build a proactive program designed for public accountability and long-term protection.

Request a confidential consultation

Connect with Our Public Entity Team

Tell us about your organization’s needs, and we’ll reach out to design a coverage and risk management plan that fits your goals and budget.

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“Wells has been a steady partner for our town in both commercial insurance and employee benefits. They're thorough, responsive, and mindful of how public funds must be managed. They understand the realities of municipal operations and help us make informed decisions each year.”

David W
Town Finance Manager
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