When it comes to placing coverage for public entities, most agents know they’re stepping into complex territory. Government bodies — municipalities, school districts, water authorities, emergency services — are not your average commercial account. Their claims exposure is high, risk tolerance is low, and procurement processes often come with strict compliance rules and oversight. Despite these challenges, these accounts can offer long-term value, provided you have the right partner. Landmark Wholesale offers wholesale workers’ comp solutions for these hard-to-place public sector risks.
What Makes Public Entity Workers’ Comp Hard To Place?
Public sector clients come with a unique risk profile. From sanitation departments and road crews to school nurses and bus drivers, employee roles span a wide range of hazards. That means multiple job classifications, a higher chance of workplace injuries, and potentially long-tail claims.
Unlike private businesses, public entities often require:
- Customized risk-management plans: A one-size-fits-all policy won’t cut it.
- Transparent claims tracking: Elected officials and union reps want detailed updates.
- Documented loss control protocols: Many contracts demand proof of preventive measures.
Securing coverage for these clients often requires a strategic partner who understands the technical, legal, and logistical requirements involved. Notably, workers’ compensation obligations for public entities can vary widely depending on the state and entity type. Some entities self-insure, others participate in risk pools, and many rely on formal bidding processes to contract with private carriers.
Given the complexities, it’s important to partner with a wholesaler like Landmark that can help navigate the nuances, so agents can place even the toughest risks.
Why Do Carriers Avoid Public Sector Workers’ Comp?
Standard markets shy away from public entities for good reason. Frequent injuries and extended claim durations — especially in unionized or highly regulated environments — create high loss costs. Legal pressures further reduce carrier appetite.
Other challenges include:
- Litigation exposure: Claims often involve legal review, appeals, or mediation.
- Compliance demands: Annual audits, safety inspections, and public transparency rules add complexity.
- Performance expectations: Public entities want real-time visibility, not just quarterly updates.
One survey, published by Risk & Insurance, found that healthcare claims are among the most pressing and costly. Publicly funded hospitals, county clinics, and school-based healthcare programs face rising mental health claims, extended recovery timelines, and growing regulatory burdens — factors that apply across many public entity roles. These complications have led many standard carriers to retreat from this space due to the financial and administrative risks involved.
Placing Public Entity Workers’ Comp
Wholesalers like Landmark unlock access to markets that retail agents can’t reach on their own. That includes program carriers, group captives, and structured deductible options designed specifically for complex risk sectors.
Landmark supports public entity placement with:
- Integrated submission tools and portals that simplify document collection and tracking
- Underwriting expertise tailored to nuanced government exposures
- Real-time feedback and claims dashboards that satisfy both administrators and elected officials
- Proactive claims management to control reserves and drive favorable outcomes
Public sector clients expect more, and with Landmark, agents can deliver. Whether the account needs loss control services, help with MOD reductions, or a partner to present in front of a risk board, Landmark provides the hands-on support required to close and retain these accounts.
Partner With Landmark for Wholesale Workers’ Comp
Public risks aren’t for everyone. But for agents willing to pursue them, they can be lucrative and sticky — if placed correctly. As an experienced workers’ comp wholesaler, Landmark Wholesale specializes in programs that help you stand out in competitive RFP processes.
Experience the value of working with a workers’ comp wholesaler that knows how to navigate government accounts. Contact Landmark or send a submission to get the process started.
About Landmark Wholesale
Landmark is a nationally licensed facility for tough-to-place risk with a focus on securing alternate workers’ comp solutions. From PEOs to specialty programs, we offer access to coverage solutions other wholesalers can’t. Our recent placements include complex risks in staffing, transportation, and construction sectors — demonstrating our ability to secure coverage where others fail. Partner with Landmark Wholesale to find solutions for your toughest accounts and expand your market reach.
