Public Risk

Quality Insurance for Florida's Public Entities

From cities, counties, school districts and beyond – our dedicated public sector professional agents are experienced in risk management, underwriting and claims management services. Our team is here to serve the unique needs of Florida’s public entities. As members of the communities we serve, we have experience in local and state government, and we consider ourselves an extension of your team. With a large and expanding client portfolio of public entity clients, allow our team to take care of your property, casualty and employee benefit needs – so you can focus on shaping the many places we call home.

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Serving Florida's Public Entities

Acentria Public Risk is a specialty practice with the sole purpose of serving Florida’s public entities for property, casualty and employee benefits coverage. Made up of public sector experienced professionals, our team is a specialized division of the Acentria Insurance family, that is exclusively focused on public sector insurance.

We work with cities, counties, school districts and special districts located throughout Florida to provide insurance coverage to meet the unique needs of the public sector.

Acentria Public Risk has the power of a top 15 national US brokerage, yet we bring local expertise with over 45+ offices in Florida alone, with additional locations across the southeast. Our team members live in your communities, and therefore we are familiar with your local needs and risks. We understand that our ability to serve you impacts not just your budgets, employees and assets – but also our communities. We pride ourselves on our collaborative approach in which the diverse backgrounds of our team members translate to more ideas that better serve you. With “boots on the ground” experience in local and state government, we’re always client-first.

Acentria Public Risk provides cost-effective risk management and employee benefits solutions to meet the diverse insurance needs of Florida’s governmental entities, including: cities, counties, public schools, and special districts such as utilities and fire districts.

Acentria Insurance is a Foundation Risk Partners (FRP) company. FRP is one of the fastest-growing insurance brokerage and consulting firms in the United States and is comprised of a network of highly respected insurance agencies. As a Foundation Risk Partners company, our platforms cover the full spectrum of the insurance landscape. We are driven by an innovative spirit and a team culture that is client focused.

Yes, and we love them! We work with both self-funded and self-insured entities throughout Florida. We provide guidance, knowledge and brokerage solutions to help optimize our self-insured clients’ risk transfer mechanisms.

Yes, we offer a full complimentary claims review, which includes a deep dive into frequency and severity claims analysis. We also will facilitate a loss control service plan that is designed to help your staff get a handle on your current claims and reduce future ones to lessen your total cost of risk. Our claims management team of experienced professionals will assist with claim and coverage disputes, as well as assist with emergency procedures and disaster planning.

 Yes and yes! We have extensive expertise in insurance plan audits, review, design/development, as well as implementing wellness programs. Our team builds programs designed to fit your needs and will advise on different risk management options for our self-insured clients.

We offer a full suite of complimentary resources that include: tools, technology and support for our clients:

  • Benefits Administration/HRIS Expertise & Support
  • AcentriaHR Online Resource Center & HR On-Demand Support
  • Acentria Client Portal
  • Certified Compliance Team
  • Onboarding Team
  • Work Safe Pays Mobile App for Risk Management

Yes! Acentria Public Risk has extensive expertise in all coverages public agencies need and will perform a complimentary policy audit to determine any potential gaps in coverage as well as provide solutions for potentially lowering annual costs while reducing your exposure.

Our public sector insurance plans include all coverages needed by public agencies such as:

  • Property insurance
  • General Liability
  • Professional Liability
  • Workers’ Compensation
  • Vehicle Insurance
  • Law Enforcement Liability
  • Public Officials Liability
  • Inland Marine Insurance
  • Cyber Liability
  • ERISA Pension
  • Pollution Liability Insurance
  • Flood insurance
  • And more!

We have a strategic partnership with the Florida Municipal Insurance Trust [FMIT], Florida Association of Counties Trust, Florida School Board Insurance Trust as well as all the major Independent Risk Placement markets for public agencies. We have achieved the highest status with all the major medical providers and ancillary coverage providers, which provides optimal pricing and deal tension on renewal.

Public sector insurance is as complex and nuanced as public agency administration. We aim to help alleviate that complexity. Teamwork makes the dream work, so we work with you to facilitate a safer workplace, lower costs, best-in-class property and casualty coverage and a higher quality of life for your employees. We provide the back-end office support your team needs so you can stop worrying about insurance, focus on your employees and get back to building the communities we all call home.

Yes, we strive for a year-round, 5-star, VIP customer experience, which means we are accessible, in most cases, with same-day customer resolution. If you would like to speak with some of our clients about our work, we gladly provide references, upon request.

Empowering Local Communities

Hear what our clients have to say about working with Acentria Insurance!

Russ Frakes, Risk Management and InsuranceOkaloosa County School District
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While offering the resources of a firm with a nationwide footprint, Acentria maintains a local feel. With multiple offices in Northwest Florida, Acentria employees live and work alongside OCSD employees and share a common, vested interest in improving the lives of families in Okaloosa County. Additionally, Acentria’s expertise in the area of data analytics and the ability to leverage that expertise to enable well-founded, data-driven decisions contributed heavily to the positive evaluation of their capabilities.
Ken Kilgore, Administrative Services Director/CFOCity of Sebastian
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Acentria Public Risk is easily reachable and always willing and able to assist us with questions or concerns with our insurance programs. When we were unhappy with a denial of coverage for legal fees on a very prominent and political lawsuit, Acentria interceded to set up a meeting with our insurance company officials that worked to our benefit. When it was necessary to conduct a formal bid for our insurance policies this year, Acentria professionally conducted a competitive bid process for us and we enjoyed substantial cost savings. Acentria has earned our trust and we appreciate their expertise and client-focused service
Kirsti Fixi Funke, Risk SpecialistCity of Apopka
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We have been a client with Foundation Risk Partners of Florida since October 2020 and have found their quality of service to be exceptional. The account team works tirelessly to ensure that we are adequately insured while presenting the lowest premiums possible. They are knowledgeable in all aspects of their field and provide incredibly prompt and courteous service.

Public resources for you (for free)

Get to know our team, dive into the details of our public entity practice, use our self-assessment tool, and much more with our free, downloadable resources. Just fill out the form and we’ll gladly send them to you.