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Public Entity

About Public Entity

Public entities have a variety of exposures that were created to either assist or benefit the public.

We understand the Public Sector operates much differently than the Private Sector. Therefore, we specifically created a Public Entity Department within our organization that solely practices in this discipline. We recognized the unique exposures facing a county, municipality or school and the challenges to keep up with the myriad of federal and state regulations. Our team creates custom risk management programs for our public entity clients and provides professional claims services as well as safety / loss control consultation. We have a multitude of resources that enables us to quickly and efficiently deliver responses to our public entity clients that protects them and their constituents.

Risk Management Consulting

We provide risk management consulting services to Authorities, Charter Schools, Colleges, Fire Districts, and Municipalities. Our team will consult with your team to customize a risk management program to address your entity’s specific needs and goals. Factors we consider are:

Impact to the Public Entity’s employees (man hours, skill set required, and resources needed)

Impact to constituents (does it better the community, does it reduce a hazard or potential for loss?)

Financial impact to the Public Entity

Is there a regulation that needs to be considered

Regardless of whether it’s an Authority, Charter School, County, College, Emergency Services Department, Fire District, Municipality, or School District; our team can work with your team.

A snapshot of our consulting services include:

Working with the Public Entity to ensure their Risk Management Program is effective, efficient, and meets regulatory requirements.

Assisting in resolving claim issues including, but not limited to, defense assignment, coverage determinations and claim payments.

Providing guidance and resources to the Public Entity’s Safety Committee.

Providing written responses to coverage, claims and safety questions.

Providing risk management guidance on the Public Entity’s new projects and/or initiatives.

Being accessible to the Administration and Governing Body 24 hours a day.

Our Experience And Expertise

Hardenbergh Insurance Group specifically created a Public Entity Department within our organization that solely practices in this discipline. We recognized the unique exposures facing a county, municipality or school and the challenges to keep up with the myriad of federal and state regulations. Our team creates custom risk management programs for our public entity clients and provides professional claims services as well as safety / loss control consultation. We have a multitude of resources that enables us to quickly and efficiently deliver responses to our public entity clients that protects them and their constituents.

Our Experience:

Providing risk management/insurance services to public entities since 1975

Providing services to over 75 New Jersey public entities as well as New Jersey and Pennsylvania charter schools

Working with thirteen New Jersey Joint Insurance Funds; three New Jersey Insurance Commissions and the leading public entity commercial insurers

Serving on various Municipal and School Joint Insurance Fund’s Safety and Coverage Committees, County Commission’s Safety and Claims Committees as well as the MELJIF Safety Committee and the MELJIF Coverage Committee

Serving as the Student Accident Program Manager to three School Board Joint Insurance Funds.

Our Expertise:

Public Entity Account Manager
Well versed in risk identification for public entities. This team member is able to advise whether the Public Entity should 1) purchase insurance to protect an asset or exposure; 2) transfer a risk to reduce or eliminate the Public Entity’s liability; or 3) avoid the exposure in its entirety.

Public Entity Loss Control Representative
Well versed in NJ PEOSH regulations and ensures specialized training not only meets the safety needs of the Public Entity but also the regulatory needs of the Public Entity.

Public Entity Claims Account Manager
Well versed in the immunities afforded to Public Entities by Title 59 and the insurance language in policies to ensure claims are adjusted accordingly.