Municipality Program

Description:
Keystone's Municipal Insurance Program, underwritten by EMC Insurance Companies, is widely recognized as the premier insurance program for municipalities throughout Pennsylvania. Over 400 Commonwealth municipal entities have taken advantage of the custom tailored coverages. The program is designed for the unique needs of local governments and is offered at highly preferred rates.

Coverage:

• Enhanced Property and General Liability
• Law Enforcement and Public Officials Liability
• Commercial Auto Municipal Amendment Coverage Enhancement
• Workers Compensation
• Municipal Liability Coverage for Paid Police consistent with PA Act 477
• Umbrella

Benefits:

• Workers Compensation Coverage also available with same carrier
• Dividend Paying Safety Group which combines the loss experience of clients' property, general liability, automobile, and workers compensation to return substantial dividends to participants. Annual returns have ranged from 9% to 25%
• Competitive, consistent pricing which allows Municipalities to effectively establish a budget. This is a stable market across all lines of business, in both hard and soft market cycles.
• Unique Accident Insurance Program for Volunteer Workers that includes: Accidental Death & Dismemberment $5,000; Weekly Accident Indemnity (payable for 26 weeks) $150; Accident Medical Expense $5,000

Underwritten by: