Public Entity Program

A specialized insurance program for municipalities and other public entities.
Outdoor water treatment plant with circular and rectangular basins beside a brick building on a lake shore.
Public Entity Program Solutions from Frost Insurance

Commercial Insurance

Commercial insurance is a type of coverage designed to protect businesses from potential financial losses resulting from unforeseen events such as property damage, liability claims, theft, or employee-related risks. It serves as a safety net that helps companies manage risks and recover more quickly from disruptions, allowing them to maintain operations and safeguard their assets, income, and reputation.

Businesses need commercial insurance because operating without it exposes them to significant financial threats that can arise from lawsuits, natural disasters, or accidents. Whether a company is large or small, having the right insurance coverage ensures compliance with legal requirements, builds trust with clients and partners, and provides peace of mind knowing that unexpected events won’t derail long-term goals.

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Public Entity Program

We are pleased to introduce a leading public entity insurance program manager providing specialized coverages for entities that treat, store or distribute water.

Glatfelter Public Practice (GPP) is dedicated to serving the unique insurance and risk management needs of water-related entities and other public entities.

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Call (615) 824-6541

Unique for Board Members

GPP offers an Occupational Accident & Business Travel Program that provides board members and employees with specialized coverage for board-related and employee activities such as traveling to/from meetings, conventions and public hearings, performing site inspections, or attendance at authorized activities.

Coverage

GPP’s coverage is among the broadest available for water-related entities

What Is Offered

GPP’s coverage is among the broadest available for water-related entities and includes:

  • Property
  • General Liability ($1 mil Occurrence/$3 mil Aggregate): No exclusion for Failure to Supply Water; BI & PD for Sewer Back-up
  • Automobile
  • Equipment Breakdown
  • Crime
  • Inland Marine
  • Public Officials & Management Liability including: Cyber Liability; Privacy Crisis Management Expense; Employment Practices Liability; Employee Benefits Liability
  • Excess Liability – with underlying continuity

What Is Included

  • Real and Personal Property – Total Blanket
  • Defense Expense outside the policy limits
  • Separate coverage and limits for General Liability and Management Liability
  • Eight pollution liability exceptions
  • No lead exclusion for potable water

Program strengths

What Is Featured

01

Underwritten through an A.M. Best “A+” (XV) Superior rated insurance company

02

Nationally filed and available on an admitted basis

03

Highly-experienced Claims Management

04

Technical reference bulletins & resources

05

Broker training via niche education

More Info

Shannon Frost
615-824-6541

You may also visit GlatfelterPublicPractice.com

This is only a brief description of the coverage available. The policies contain reductions, limitations, exclusions and termination provisions. Coverage may not be available in all states.

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Ask us about the Public Entity Program

Get a free, no-obligation quote, give us a call, or stop by our office on East Main Street.

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Frost Insurance is licensed in and provides services to residents of Tennessee, Georgia and Kentucky. Insurance coverage cannot be bound or changed by submitting any online form or application on this site. No binder, insurance policy, change, addition or deletion to insurance coverage takes effect unless and until it is confirmed directly by a licensed agent.

Personalized Support

We listen to your needs and tailor our services to match, ensuring you receive the right coverage for your unique situation.

Competitive Rates

Our pricing structure is designed to be competitive, giving you the best value without compromising on service.

Trustworthy Advisors

Our knowledgeable agents provide insights and advice, helping you navigate your options with confidence.