Apex Insurance Services
Specializing in Insurance Solutions for Local and State Governments, Public and Private School Systems, Special Districts, Utility Operations and Higher Education since 1992

First Dollar Package Placement

  • General Liability including Employee Benefits
  • Property, Inland Marine, Equipment Breakdown
  • Auto Liability & Auto Physical Damage
  • Crime
  • Public Officials Liability / Employment Practices
  • Law Enforcement Liability
  • School Board Liability / Employment Practices
  • Excess Liability
  • Workers Compensation


Excess Liability

  • Apex can provide up to $200 million in additional protection over your General Liability, Auto Liability, Public Officials and Employment Practices Liability, Law Enforcement Liability and School Board Legal Liability.
    • Individual Risks and Pools
    • Pay On Behalf Form
    • Defense Costs Outside Policy Limits
    • Coverage Tailored to Respond to Individual Needs
    • A++ Rated Carriers
    • Public Entity and Educational
    • Competitive Pricing


Excess Workers Compensation

  • Apex utilizes mainstream and specialized Excess Worker’s Compensation markets to help place coverage for almost anything in the public entity sector, including schools, cities, counties, special districts, & pools.
    • SIR Attachments as low as $100k
    • Buffer layers
    • Individual Risks and Pools
    • Competitive Pricing


Excess Property

  • Apex provides Excess Property for pools and individual accounts with low attachment points.  Our carriers are a mix of “A” rated admitted and approved surplus lines carriers.
    • Limits up to $1,000,000,000
    • Buffer layers
    • Quota share
    • Follow form over Primary & Reinsurance


Public Officials & School Board Liability

  • Occurrence & Claims Made Forms
  • Full Prior Acts or Retro Date
  • Defense Costs Outside Policy Limits
  • Extended Reporting Period
  • Employment Practices Liability included
  • “A” Rated admitted and approved surplus lines carriers
  • Sub-limits available for Non-Monetary Claims & Back Wages


Law Enforcement Liability

  • Occurrence & Claims Made Forms
  • Death in the Line of Duty Benefit
  • Intentional Acts
  • Violation of Civil Rights
  • Includes Assault & Battery
  • Defense Costs Outside the Policy Limits
  • “A” Rated admitted and approved surplus lines carriers
  • Approved moonlighting and separate moonlighting policy available


Pool Reinsurance/Excess Placement

  • Apex Insurance Services provides excess / reinsurance placement coverage for over 70 public entity and educational pools / trusts across the nation. 
    • All Lines Aggregate
    • Full Excess & Reinsurance
    • Special Events Coverage
    • Property – including coastal
    • Pool Startup Opportunities Considered


Specialty Lines

  • Apex is a leader in developing and offering specialty coverage for public entities and schools.
    • Environmental Liability
    • Bonds
    • Cyber Liability
    • Fiduciary Liability for Retirement and Pension Funds
    • Pool or Trust Errors & Omissions and Directors & Officers Liability
    • Special Events
    • Difference in Conditions (Flood & Earthquake)



A Division of Brown & Brown, Inc.