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The Community Works Insurance Program features a broad range of municipalities and public entities specific coverage including:


Commercial Property
Protects the building, contents, equipment and miscellaneous property of the insured as well as income lost and extra expense incurred from down time due to a loss.

Inland Marine
Protection against damage to the insured's equipment.

Commercial Crime
Protection from burglary, robbery, embezzlement and forgery.

Boiler & Machinery
Also referred to as Equipment Breakdown coverage, it covers property damage to mechanical, electrical and pressure equipment.

General Liability
Protection against liability claims for injuries or damages arising out of the operations of the insured.  Please ask about our new general liability enhancements with additional new coverages!

Commercial Automobile
Liability and physical damage protection for owned and non-owned vehicles used in your business.  Please ask about our new commercial auto enhancements with additional new coverages!

Public Officials
Protects against wrongful acts committed by the governmental entity.

Umbrella Liability
Insures against those losses in excess of the limits provided by the school’s underlying liability policies as well as to fill in coverage on some claims that the underlying policies do not recognize at all.

Environmental Impairment Liability
Protection for cleanup, bodily injury or property damage arising out of a pollution incident at any of your locations.

Workers' Compensation (not available in all states)
Insurance coverage for employees injured in the course and scope of their employment.