Municipalities
Protecting Your Community – From Public Safety to Public Works
Protecting Your Community – From Public Safety to Public Works
Municipalities carry unique responsibilities—from utilities and public safety to administration and community services. We help protect your employees, infrastructure, and residents with coverage designed for the public sector.
Municipalities carry unique responsibilities—from utilities and public safety to administration and community services. We help protect your employees, infrastructure, and residents with coverage designed for the public sector.
Built for the Way You Govern
We support cities, counties, townships, districts, and public entities of all sizes, building programs that align with budgets, compliance demands, and public accountability.
We support cities, counties, townships, districts, and public entities of all sizes, building programs that align with budgets, compliance demands, and public accountability.
Coverage That Fits Your Municipality
Coverage That Fits Your Municipality
Coverage That Fits Your Municipality
Our strong relationships with top insurance carriers give you access to the best coverage options available. Backed by a dedicated team, we deliver customized solutions designed specifically for your business.
Our strong relationships with top insurance carriers give you access to the best coverage options available. Backed by a dedicated team, we deliver customized solutions designed specifically for your business.
Our strong relationships with top insurance carriers give you access to the best coverage options available. Backed by a dedicated team, we deliver customized solutions designed specifically for your business.
Trusted Partnerships
Strong carrier relationships ensure competitive pricing, broad coverage options, and long-term stability.
Tailored Insurance
Coverage designed around the unique risks, regulations, and operational realities of your company.
Experienced Guidance
Proactive risk management and hands-on support before, during, and after a claim.
Every municipality is different, but the need for protection is the same. We work with you to build a program that can include:
Every municipality is different, but the need for protection is the same. We work with you to build a program that can include:
Every municipality is different, but the need for protection is the same. We work with you to build a program that can include:
General & Umbrella Liability
General & Umbrella Liability
Property & Fleet
Property & Fleet
Workers’ Compensation
Workers’ Compensation
Law Enforcement Liability
Law Enforcement Liability
Public Officials Liability
Public Officials Liability
Cyber & Ransomware Protection
Cyber & Ransomware Protection
Employment Practices Liability
Employment Practices Liability
Infrastructure & Utility Coverage
Infrastructure & Utility Coverage
Why Choose Cornerstone ?
Why Choose Cornerstone ?
Protecting what matters, empowering what's next.
Confidence built on trusted guidance and proven protection, backed by advisors who understand your risks and act with urgency. We combine practical insight with disciplined coverage design, so decisions are clearer and outcomes are more predictable. When conditions change, we stay engaged, adjust strategy, and advocate for you, helping you protect what matters and move forward with confidence.
Clear Communication
Transparent guidance for councils, administrators, and department leaders. Clear recommendations, consistent updates, and practical next steps, so stakeholders stay informed and decisions remain aligned with public priorities.
Proactive Risk Management
Support designed to reduce claims, enhance public safety, and protect taxpayer investments. We help identify trends, improve procedures, and build training and documentation that strengthens defenses before incidents occur.
Industry Expertise
Advisors experienced in governmental risk, regulatory compliance, and public accountability. We understand budget realities, operational constraints, and community expectations, then design programs that fit how public entities function.
When was the last time you compared your program to best-in-class? Partner with us to see how you stack up.
Partner with us and see how our 100 years of experience can guide you through the details
When was the last time you compared your program to best-in-class? Partner with us to see how you stack up.