Public Entity

As an insurance broker with an extensive history of partnering with public entities, Lloyd Sadd Insurance understands the issues that surround risk management in the public sector and are unique to this sector. To make sound decisions about loss control and risk financing, a company must often balance the conflicting objectives of maintaining a desirable risk tolerance and meeting obligations to provide services. In addition, companies must work within limited budgets and sometimes under political scrutiny. Effectively managing risk in the public sector can be accomplished with the assistance of a competent broker who listens, thinks, and delivers based on the distinct exposures faced by public entities. Let our team work with you to develop a program that best suits your needs. 

We offer clients complete brokerage management for their insurance and risk management needs. As part of the risk management process, we assist with the following:

• Identification of loss exposures
• Analysis of identified exposures to loss
• Examination of risk management alternatives
• Selection of risk management alternatives
• Implementation of chosen risk management techniques
• Monitoring risk management program to ensure needs are met

Our public entity insurance services include the following:

• Insurance program marketing and placement which ensure the most favorable terms, conditions, and pricing
• Claims management that assists clients in loss-reduction efforts (either self-administered claims or claims administered by an insurer or third-party administrator)
• Loss control (to help reduce the frequency of losses)