Public Entity Protection Program: Insurance Solutions with Risk Management Preventative Applications Measures

Francis Hall Insurance & Risk Management Services has been providing the “Power of Solutions” for their clients since 1946. Since 1965 the Agency has been involved in providing “Insurance and Risk Management Solutions” for our Municipal clients through the division of “Public Entity Protection Program” or PEPP.

PEPP: offers highly customized coverage for the municipal sector, including cities, towns, townships, boroughs and villages– population size is not a concern. Other special purpose entities, such as park or recreation commissions, library boards and sewer, parking and water authorities, further are offered a comprehensive program as well.

The underwriting and marketing approach is characterized by the delivery of a tailored yet broad product portfolio with the application of “Risk Management” services. PEPP focuses on providing more than just “Insurance Contracts” for their Municipal clients. Identifying potential claims (risk exposures) is a major focus of their staff’s efforts. This differentiates PEPP from its competitors by positively defining it as one of the few providers servicing this customer segment with the capability to offer such a fully integrated approach. The underwriting philosophy of the various carriers that PEPP represents employs a state-specific discipline, moving toward capabilities that will be national in scope, offering stability and delivery of tailored and integrated coverage at appropriate pricing levels, targeting those entities seeking long-term relationships with their insurance provider partners.
Insurance Coverage Solutions Offered:

Property
Inland Marine (Equipment, EDP, Traffic Lights, etc.)
General Liability
Extended Reporting Liability Endorsement (NOSE)
Employee Liability
Automobile
Excess Liability – Limits up to $10,000,000. Or greater if needed
Public Officials' Errors and Omissions
Employment Practices Liability
Law Enforcement Liability
Crime – Public Officials Bonding and Blanket Employee Dishonesty
Workers Compensation
Public Law 477 (Heart & Lung Act)
Group Employee Benefits
PEPP works with many established Insurance providers:
AmeriHealth Casualty – Blue Cross Workers Compensation
Housing & Redevelopment Insurance Exchange (H.A.I.R.E.)
MRM Property & Liability Trust and MRM Workers Compensation Trust - PSAT’s Endorsed
Penn Prime Trust – PA League of Cities
PRIME
National Casualty Insurance Company – Subsidiary Nationwide Ins. Co.
Philadelphia Insurance Companies
Scottsdale Insurance Company – Subsidiary Nationwide Ins. Co.
Selective Insurance Companies
St. Paul Travelers Insurance Companies
Steadfast Insurance Company – Pollution Liability
Zurich Group