First Dollar Coverage

Apex specializes in first dollar, low deductible property & casualty insurance for public entities and educational institutions. Utilizing “A” rated admitted carriers, Apex works with local, independent insurance agents to provide superior coverage at competitive pricing with full claims and loss control services.

Target Market:

  • Cities, Counties, Towns, Parishes
  • Townships, Special Districts
  • K-12 Public Schools, K-12 Private Schools
  • Charter Schools
  • Community Colleges, Four Year Colleges & Universities

Coverage Includes:

  • 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 ( Primary & Excess)

Our markets target service populations less than 100,000 for public entities and full time enrollment less than 20,000 students for educational institutions.  Coverage for larger accounts is available.

For a complete submission:

  1. Public Entity or School application (will quote from other carrier new business apps but need ours to bind) Supplemental Apps may be requested
  2. Property (Excel SOV to Cat Model), Equipment and Auto schedules (VIN, class code or use)
  3. 5 years currently valued loss runs
  4. Current financial or budget
  5. Expiring premium to calculate loss ratio to determine credits
  6. Need by date and target premium and marketing situation

Coverage may not be available in all states. Please contact Apex for more information and approved states.