J. Byrne Agency has specialized in customizing municipal insurance solutions for over 50 years. We understand the unique exposures associated with municipal operations and proper insurance & risk management programs to protect taxpayers from unwelcome liabilities.
Municipalities provide a wide variety of services to their residents in exchange for tax dollars. These services may include planning and zoning, licenses and permits, assessors’ and surveyors’ offices, courts, disease control, sanitation, road construction and maintenance, snow removal, and public protection such as police or fire departments.
Some municipalities contract utility services, such as gas, water, or electricity, for residents within their geographical area. This collection of unique and diverse operations creates the need for a dedicated specialist to work with administration, department heads, and elected officials to create a customized insurance & risk management program. Proper insurance, risk management, and risk transfer are key to protecting municipalities from
Coverages recommended for such municipal operations include:
- Building
- Business Personal Property
- Employee Dishonesty
- Money and Securities
- Accounts Receivable
- Audio/Visual Equipment
- Computers
- Contractors’ Equipment
- Fine Arts
- Valuable Papers and Records
- General Liability
- Public Officials’ Liability
- Cyber Liability
- Employee Benefits
- Umbrella
- Hired and Nonownership Auto
- Workers’ Compensation
- Computer Fraud
- Forgery
- Employment-related Practices
- Business Auto Liability and Physical Damage