Protect your community.

We help cities, towns and local agencies build a coordinated insurance and risk plan with clear options, claims advocacy and practical guidance.

Coverage built for public service.

From property and liability to cyber and law enforcement exposures, we help you align coverage, limits and retention strategies with your budget and your risk appetite.

Your neighborhood partner.

With years of experience partnering with cities, towns and communities, we bring the relationships and know-how to match you with the right markets and the right program structure.

Comprehensive coverages and hands-on support.

We ask the right questions, spot the gaps early, and build a coordinated program that fits your operations, from property and liability to the specialized protections public entities often need. We stay engaged with claims, identify trends, and recommend prevention steps that reduce repeat incidents and strengthen your overall program.

Better control over volatility.

We can model options from guaranteed cost to higher-retention programs and show how each approach affects budget stability and long-term cos

Capabilities

Your Neighborhood Partner

With our team’s years of experience partnering with cities, towns and communities, we can connect you with the right insurers, underwriters and coverages.

Comprehensive Coverages

We know the right questions to ask, and the right solutions to meet your unique needs. When it comes to building a comprehensive program, we show up to help.

Flexible & Creative

Get the most out of every dollar
spent on your property and casualty risk management program through superior, comprehensive coverage options. We can even help you anticipate future challenges.

A Single Destination for Your Insurance Needs

Managing the Claims Process

Our in-house advocates makes sure your claims are handled properly and resolved fairly. We also conduct regular claims reviews to make recommendations on future loss control practices.

Hands-On Loss Control

Our specialists work with your team to proactively assess risk factors that can threaten your operational goals, facilitating preventive measures that will lower your long-term cost of risk.

Versatile Coverage Options

We’ve supported our public entities with coverage concerns like:

• Law Enforcement
• Public Officials
• Auto Fleets
• Cyber Liability
• Public Property
• General Liability
• Umbrella & Excess Liability
• Workers' Compensation

town hall in a beautiful park with green grass and a paved sidewalk leading to the building

Meet your expert.

Andy Brown

Senior Vice President, Property & Casualty

Andy Brown is a senior vice president and commercial risk management consultant who brings an empathetic ear and an educated perspective to every conversation, offering solid advice in all market conditions. He spent 12 years with a large global insurer before joining Gregory & Appel in 2001. Today he serves on the Board and is a part owner, pairing personal service with the accountability clients expect. His specialties include commercial risks, large retention programs, and public tort limits. Credentials include the Accredited Advisor in Insurance designation and active Property & Casualty licenses in Indiana, Illinois, and Missouri. Andy also gives back through service with Happy Hollow Children’s Camp and the Crossroads of America Boy Scout Council.

Ready to help.

If you'd like to learn more about how our team of specialists will address your risk management needs, reach out below.