The Entities We Serve

• Cities, Towns, and Counties
  

• Municipal Utilities and Public Works Departments
  

• Law Enforcement Agencies
  

• Fire Departments and Emergency Services
  

• Park Districts and Recreation Departments
  

• Elected Boards and Public Administrators

Coverage Designed for Public Entities

Municipal risk is layered, complex, and constantly evolving. We build programs that address the full spectrum:

• General Liability Insurance — Broad protection for bodily injury, property damage, and personal injury claims arising from municipal operations and public-facing activities.
  

• Law Enforcement Liability Insurance — Specialized coverage for police departments and officers, including civil rights claims, use-of-force allegations, and wrongful arrest.
  

• Public Entity Management Liability — Protection for decisions made by elected officials, board members, and public administrators — including errors in judgment and allegations of mismanagement.
  

• Employment Practices Liability (EPLI) — Coverage for claims related to wrongful termination, discrimination, harassment, and other employment-related matters involving municipal staff.
  

• Property Insurance — Protection for municipal buildings, infrastructure, equipment, and public facilities against fire, vandalism, natural disasters, and other covered perils.
  

• Auto Liability & Physical Damage — Fleet coverage for municipal vehicles including emergency response units, utility trucks, and public works equipment.
  

• Workers' Compensation Insurance — Comprehensive coverage for municipal employees injured on the job, with particular attention to first responders and high-exposure roles.
  

• Cyber Liability Insurance — Public entities hold vast amounts of sensitive resident data and are increasingly targeted by ransomware and cyberattacks. We ensure your systems and records are protected.

• Professional Liability Insurance — Coverage for errors or omissions in professional services provided by municipal departments and employees.

• Umbrella Insurance — Additional liability protection that extends beyond the limits of your underlying policies.

Our Vendor Compliance Specialty

One of the most significant and overlooked areas of municipal risk is vendor and contractor compliance. When a city hires a contractor, every uninsured or underinsured vendor represents a direct exposure to the public entity. Walker Professional provides comprehensive vendor compliance support to cities, towns, and counties, helping ensure that every contractor, service provider, and partner organization meets all required insurance and risk standards before work begins.

This is a specialized capability that most agencies simply do not offer — and it is one of the reasons municipalities across Indiana have relied on Walker Professional for decades.

Risk Management Support

• Coverage Gap Analysis — We conduct thorough reviews of your existing program to identify exposures that may be going unaddressed.
  

• Contract & Indemnification Review — We help municipal administrators review vendor and service agreements to ensure appropriate risk transfer is in place.
  

• Claims Advocacy — When incidents occur, we work directly with your team and your carriers to manage the claims process efficiently and protect the public entity's interests.
  

The Walker Professional Difference — Built for Public Entities

• Prompt, Reliable Response — Municipal operations don't stop at 5pm, and neither does our commitment to being available when you need us.
  

• Same-Day COI Issuance — We understand that procurement timelines are tight. We get you the documentation you need without delay.
  

• Proactive Renewal Support — Budget cycles and coverage renewals require advance planning. We start the renewal process early and keep you ahead of deadlines.
  

• Dedicated Claims Advocacy — We stay involved throughout the claims process, ensuring your municipality's interests are represented at every stage.

Public entities deserve an insurance partner who understands the weight of public accountability — and the complexity that comes with it. Walker Professional Insurance brings the specialized expertise, independence, and personal commitment that the municipalities we serve have counted on for generations.