Underwriting Contacts –

Dick Eichhorn
CPCU, ARM
Breckenridge Insurance Services
Office: (314) 725-8394 x233
Fax: (314) 880-8031
Cell: 314-602-7093
E-Mail: reichhorn@ipsico.com

Vernon Southerland
Senior Vice President
Breckenridge Insurance Services
Office: (314) 725-8394 x 247
Fax: (314) 880-8031
E-Mail: vsoutherland@breckis.com

Wade E. Clay
CPA
Breckenridge Insurance Services
Office: (314) 725-8394 x235
Fax: (314) 880-8031
Email: wclay@breckis.com

Electronic submissions are preferred.

Submission requirements

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Public Entity Practice: Small to Mid-Size Entities

Programs for Small to Mid-size Public Entities

Governments need effective insurance now more than ever – to protect
themselves from costly losses at a time when budgets are stretched to the
limits. The professionals at Breckenridge Insurance Services Public Entity
Group know how to handle both standard and hard to place risks. We work
with “A” rated carriers that understand governmental risk.

Public Entities :
• Municipal (borough, city, town, township, village) – under 75,000 population
• Counties and Parishes – under 200,000 population
• Special District – natural resource, fire, sewer and water utility districts -
under $5,000,000 gross operating expenditures

Jurisdictions
We can place coverage in all states.

Coverages
• General Liability
• Property
• Equipment Breakdown
• Crime
• Inland Marine
• Automobile
• Umbrella
• Public Officials Liability
• Employment Practices Liability
• Law Enforcement Liability
We can quote first dollar or SIR for all lines or risks.

Carriers
All carriers are AM Best rated “A” or better. The Package and Auto lines of
business are available on an admitted basis. The Public Officials,
Employment Practices Liability and Law Enforcement Liability on a
non-admitted basis and an admitted basis, where approved.

Limits

General Liability
General Aggregate $3,000,000
Prod/Completed Ops Aggregate $1,000,000
Personal/Advertising Injury $1,000,000
Per Occurrence $1,000,000

Automobile
Automobile Liability
Per Accident $1,000,000

Umbrella Limits:
$5,000,000

Public Officials Liability
Each wrongful act $2,000,000
Aggregate $5,000,000
Law Enforcement Liability
Each wrongful act $2,000,000
Aggregate $5,000,000

Employment Practices Liability
Each claim $1,000,000
Aggregate $1,000,000

Property, Inland Marine, Crime & Equipment Breakdown
Limits and exact coverages vary by state
and underwriting rules. Quake and Flood
can be added to the policy.