Apr – Alternative Markets

Who We Are:

Founded in 2014 as part of K2 Insurance, APR specializes in the Public Entity and Special District market segments. We operate with two underwriting facilities, each earning an AM Best “A” rating. Our APR – Alternative Markets team consists of six members, each bringing over 20 years of insurance expertise.

Our Product:

We offer Automobile Liability, General Liability, Public Officials Liability, and Employment Practices Liability on both a Retained Limits and Following Form Excess basis. Our Special District policy forms and endorsements were specifically developed for the Special District market segment, focusing on simplicity and readability. We listed all policy provisions alphabetically, placed all exclusions and definitions into designated sections, and removed all redundant policy language. (See Coverage Highlights for the Special Districts Retained Limit Liability Policy for a more detailed review).

Our Approach To Underwriting:

We have assembled subject matter experts for each risk type. Our goal is to find solutions, even for complex or difficult risks, and we consistently aim to get to a “yes” on your accounts.

Our Service:

  • We promptly acknowledge all submissions upon receipt.
  • Within 24 hours, we provide a go/no-go decision on each risk submitted.
  • We assign specific team members to each account, ensuring clear accountabilities.
  • Policies are issued error-free within 30 days of the effective date, with each policy undergoing a thorough, three-step peer review before being sent to the client.

How We Can Assist You:

We collaborate with you and your insured to craft tailored solutions for a competitive price. Additionally, we offer a library of in-depth technical articles to help you retain your current clients and obtain new clients.

Special Districts Program

What We Can Do – Special Districts Program:

Attachment: $100,000 Minimum Attachment / $20,000,000 Maximum Attachment

  • State and risk-specific requirements

Maximum Limits: $5,000,000

Coverage Forms:

  • Special District Retained Limit Liability Policy
  • Special District Following Form Excess Liability Policy

Paper: Non-Admitted, AM Best Rating “A-” IX
Lines of Coverage: General Liability, Public Officials Liability, Employment Practices Liability, Automobile
Liability, Employers Liability
Risk Appetite (special districts outside of this list are considered on a referral basis):

  • Development Districts
  • Emergency Call Centers
  • Electric Utilities (mandatory wildfire exclusion)
  • Fire Districts
  • Housing Authorities
  • Park Districts
  • Road Service Districts
  • Solid Waste Authorities
  • Special Taxing Districts
  • Water Utilities, Sewer Utilities, and other Water-Related Entities

What We Can’t Do – Special Districts Program:

  • Municipalities and Counties (available through our Excess Liability Program for Public Entities)
  • Educational institutions, including but not limited to K-12 schools, community colleges, and universities
  • Transit, including bus and rail, on a standalone basis
  • Louisiana risks
  • Pools (group risks)

What Is Required:

  • Prior 10 years of ground-up and excess carrier loss runs valued within 90 days of the effective date
  • Special District applications for all applicable lines of coverage
  • Current Budget and Financial Statement
  • Vehicle listing

Excess Liability Program For Public Entities

What We Can Do:

Minimum Attachment: $11,000,000
Maximum Limits: $5,000,000
Coverage Form: Following Form Excess Liability
Paper: Non-Admitted, AM Best Rating “A+” XV
Lines of Coverage: General Liability, Public Officials Liability, Employment Practices Liability, Automobile Liability, Law Enforcement Liability, Employers Liability
Risk Appetite: Municipalities, Counties, Water Utilities, Sewer Utilities, and other Water-Related Entities, Fire Districts, Park Districts, Special Tax Districts, and Solid Waste Districts

  • Special Districts outside of those listed above are considered on a referral basis
  • California risk-specific underwriting requirements

What We Can’t Do:

  • Electric utilities, including distribution and generation
  • Educational institutions, including but not limited to K-12 schools, community colleges, and universities
  • Transit, including bus and rail, on a standalone basis
  • Louisiana risks
  • Pools (group risks)

What Is Required:

  • Prior 10 years of ground-up and excess carrier loss runs valued within 90 days of the effective date
  • Public entity applications for all applicable lines of coverage
  • Current Budget and Financial Statement
  • Vehicle listing

ALTERNATIVE PRACTICES APPLICATIONS

For applications submissions, please contact a team member or email us at submissions@alliedpublicrisk.com

Contact

  • Margaret Zechlin, CPCU, AIC, ARe, ASLI, RPLU 

    Executive Vice President
    mzechlin@alliedpublicrisk.com
    415.497.6400

  • Alie Lanza 

    Senior Vice President
    alanza@alliedpublicrisk.com
    413.335.3092

  • Laura Mehrtens 

    Regional Underwriting Director
    lmehrtens@alliedpublicrisk.com
    636.212.5072

  • Mia Legg

    Vice President – Business Operations
    mlegg@alliedpublicrisk.com
    312.762.5006

  • LaTonya James

    Senior Associate Underwriter
    ljames@alliedpublicrisk.com
    312.762.5003

  • Melissa Metzger

    Senior Associate Underwriter
    mmetzger@alliedpublicrisk.com
    618-717-0553