Municipal Insurance

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Connect with Massachusetts’ Leading Risk Consultants for Towns and Cities

Whether you’re a town manager, executive secretary, or a selectman tasked with revisiting your town’s insurance program, it makes sense to add C&S to your short list of partners. Why?

  • Municipal Insurance Experience – Our team has decades of experience advising New England towns and municipalities.
  • More Carriers, More Competitive Rates – Unlike membership-based municipal insurance options, our independent status means we can deliver multiple proposals and help you choose the ideal program, along with the ideal bill plan.
  • Local Presence and Dedicated Support – Just like you, we live and work in the communities we serve. We actively support our towns’ youth sports, arts and artists, civil servants, and senior citizens. Being available to answer your questions, and pitch in when you need us–throughout your policy term–is a fundamental part of what we do differently.

Finding a Municipal Insurance Partner

A handful of Massachusetts insurance agencies specialize in municipal insurance. Not just in providing this protection, but in proactively advising town officials on coverage limits, deductibles, town project contract language, risk management strategies, etc. We happen to be one of them, and we love working with the people who run our Massachusetts cities and towns.

Municipal Insurance Offerings

Just like any business, a town is a collection of moving parts. Each part carries its own unique set of risks. From property insurance to different types of liability protection, from workers comp to EPLI, it’s important to review all the different risk categories with a trusted partner. Ask us about:

  • General Liability
  • Property
  • Umbrella
  • Workers Compensation
  • Professional Liability
    • Employment Practices Liability
    • Law Enforcement Liability
    • Public Entity Management Liability
  • Cyber Liability
  • Crime
  • Inland Marine
  • Equipment Breakdown

 

towns and cities need municipal insurance to address risks in different departments

Who We Are

C&S Insurance, headquartered in Mansfield, MA, is one of the state’s largest independent insurance brokers as well as an award-winning agency. With four Massachusetts office locations, C&S Insurance now serves more than 30,000 families, businesses, and organizations, providing a full range of personal and commercial insurance products. The agency specializes in a handful of commercial segments—including municipal insurance.

When it comes to this specialty area, our resident expert is Charlie Rourke. Charlie and team represent more than four decades of experience in insuring towns and municipalities. Charlie is uniquely poised to advise public entities on today’s complex exposures, risk management strategies, policy limits and coverage options. Use the form on this page to contact Charlie for a review of your current program.

Who We Serve

  • Towns and Townships
  • Cities
  • Villages
  • Counties
  • Parishes