Public Entity

Our Public Entity product, Package First, is the Brit solution for public entities seeking first dollar coverage on admitted paper.

With an average of 25 year's experience in the public entity market, our team has a reputation of strong expertise in this specialized sector. Package First™ is distributed in the USA in the admitted market through an A.M. Best, A (Excellent) rated carrier in target states with the exception of Illinois and Kentucky where Lloyd’s paper will be used.


  • Cities, towns, villages, boroughs, water-sewer utilities and other special service districts
  • Targeting populations of 50,000 and under, with exceptions up to 100,000


  • Property and inland marine coverage with limits up to $50m per location excluding Tier I and 2 Wind and Flood A & V (limited to Long Island)
  • Auto physical damage
  • Equipment breakdown
  • General Liability with limits of $1m per occurrence and up to $3m aggregate
  • Law Enforcement Liability with limits of $1m per occurrence and up to $3m aggregate
  • Auto Liability with limits up to $1m
  • Public Officials and Employment Practices Liability with limits up to $1m per claim for each coverage and up to $3m aggregate
  • Umbrella ($10,000,000 limits available)
  • We avoid stand-alone housing, transit and electric districts

Municipalities may appear to be an easy and desirable class of business for insurers with many new companies entering the market. However, with complex coverage and claims issues, it requires a long term commitment and high level of expertise to understand and respond to the depth of issues associated with governmental entities. Our First Dollar team has an average of 25 years each of municipal experience and is highly recognized as experts in the class. We value your business and do everything we can to deserve it.

Sharon Wright, Divisional Director, First Dollar Package