Market Insights

The public entity market remains stable, though pressures persist. Property conditions continue to soften with strong competition and available capacity, while casualty faces ongoing challenges from legal system abuse, rising loss costs and shifting legislation. Underwriting remains selective and highly jurisdiction-dependent, even as competition increases. In professional lines, larger risks are seeing tightened capacity, with some carriers reducing limits or scaling back coverage. As exposures evolve, public entities are increasingly exploring solutions like parametric insurance and AI to better manage risk.

The public entity market has remained relatively stable in 2025, though challenges persist. Property competition is strong due to increased capacity, while accounts with large CAT exposures or high loss activity still face strict underwriting. Casualty capacity is steady, but social inflation, litigation and legislative changes continue to create pressure. Carriers are becoming more selective, using updated data and technology to manage risk. With evolving exposures and tight budgets, an experienced broker is essential.

U.S. public schools play a pivotal role in the community yet can be exposed to several types of risk. These industry trends can help guide conversations with your education accounts.

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

As the need for well-trained, experienced security personnel grows, there’s been a noticeable shift towards hiring off-duty police officers instead of relying solely on traditional security guards. This transition reflects the growing need for personnel that have the proper training, arrest authority and the ability to handle complex security situations effectively.

The public entity casualty market is grappling with challenges stemming from evolving legal, technological, and actuarial factors, which impact liability exposures and market stability. Understanding these shifts is crucial for effective risk management and informed decision-making in this complex landscape.

In 2024, the property public entity market has seen significant relief, yet large catastrophic events and the demand for new entrants in the high excess space have led to an uneven playing field. Staying informed about data collection capabilities and emerging trends among new entrants is essential for making strategic decisions in this evolving landscape.

The foster care and social services market is undergoing significant change. Examine how the ongoing shift in insurance dynamics, coupled with evolving legislative landscapes and external pressures, underscore the need for proactive risk management strategies.

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

Onsite appraisals completed by a vetted, independent third party can help ensure appropriate coverage and potentially limit renewal increases. This is especially critical for public entities with unique exposures like historical buildings.

Public entities without top tier cyber safeguards are finding they are woefully unprepared to seek coverage in the current marketplace. The message is clear: clean up security controls and spend money on safeguards, or cyber insurance may not be available.

While some segments are seeing softening, others face the hardest market conditions in decades. In this State of the Market report, Amwins specialists share market intelligence spanning rate, capacity, and coverage trends across lines of business and industries.

As plaintiff’s attorneys seek ways to challenge the application of public entity immunity, purchasing liability insurance has become increasingly challenging for public entities in states that traditionally had significant limitations on the dollar amounts that can be awarded to a plaintiff.

We are continuing to see a hardening trend in the property market, especially in difficult geographic areas, as carriers de-risk their portfolio by limiting their exposure to high-risk perils. With the impact of 5/1 domestic reinsurance treaty renewals now being felt, we’re reiterating some key points from our recent State of the Market report and bringing you a deeper look into the current conditions of the property market.

The growing prevalence of ransomware has changed the landscape of the cyber insurance marketplace dramatically. This article explores the state of the cyber insurance market and how public entities can access the limited coverage available by improving their cyber security and adding safeguards.

​Public entities are facing a climate of change as the market continues to harden and insureds are faced with double-digit rate increases in property and liability. Contributing to this disruption are statute of limitation changes for sexual abuse victims, which have extended or removed the time limit for which a victim can file a claim. This article examines the impact of increased claim activity and discusses considerations that need to be made to better manage costs during this time of uncertainty.​