Public entity reinsurance


Markel’s public entity reinsurance team provides customized solutions for governmental risk pools, trusts, reciprocals, and JPAs.

Target classes

  • Municipalities (cities, towns, villages)
  • Schools (public, K-12, community colleges, charter)
  • Special districts (water, sewer, park)
  • Public housing authorities
  • Non-profits
  • Counties



  • General liability
  • Auto liability
  • Police professional
  • Public officials E&O
  • School board E&O
  • Incidental medical malpractice
  • Employment practices liability
  • Employee benefits
  • Garage keepers legal liability


  • Minimum SIR of $100,000
  • Minimum premium $350,000
  • Offer reinsurance or direct excess insurance as excess of loss with up to $10m in capacity. On reinsurance placements we can consider participating along with other markets.



  • $50m in all risk capacity
  • $25m of flood and earthquake coverage
  • Up to $10m in California earthquake
  • Up to $10m critical wind

DataBreachsm (cyber liability)

Available coverages

Liability arising from

  • Identity theft
  • Privacy violations
  • Malicious use of the member's system
  • Distribution of virus, malware, or other harmful code
  • Regulatory investigations, including PCI-DSS actions

Breach mitigation expenses such as

  • Notification to affected individuals
  • Voluntary credit monitoring
  • Public relations expenses
  • Legal fees and other necessary expenses incurred to comply with security breach notice laws

DataBreach loss to member (first-party coverage)

  • Data and system restoration
  • Extra expense to remain functional while recovering from an incident
  • Forensic investigation
  • Loss of money, securities, or other financial instruments
  • Extortion demands

Electronic media liability arising out of the content of the member's website

  • Libel, slander, or defamation
  • Invasion of privacy or infringement of the right of publicity
  • Emotional distress, mental anguish
  • Copyright, service mark, trademark infringement

Product sheet

Public entity reinsurance leadership

Tod Costikyan
Senior Managing Director, Head of Specialty

Philip Freda
Managing Director, Public Entity Reinsurance

Markel Global Reinsurance underwriting contacts

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Public entity offices

  • Glen Allen, Virginia

View all Markel office locations