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Genesis' commitment to public entities has long been the cornerstone of our participation in the self-insured marketplace.

Genesis’ experience with governmental risk-sharing organizations extends over the last three decades. Governmental pool programs comprise the majority of our public entity business. As part of the General Re Group, one of the world’s largest reinsurance organizations, Genesis provides property and casualty reinsurance to governmental risk pools, trusts, risk retention groups, and captives. Pools assume and share significant amount of property and casualty risk by the mere nature of their organization. They don’t need to assume the additional risk of uncollectible reinsurance from a less secure organization.


Coverage Part A: General Liability, Auto Liability, Employers Liability

  • SIR applies to for all coverages under Part A (Basket Retention) that apply to a single occurrence
  • Excess Auto Liability coverage for insureds who qualify for automobile self-insurance
  • Campus security activities
  • Non-Employment Harassment including sexual molestation on a per perpetrator basis
  • Advertising infringement of copyright, trademark, trade dress, service mark, or slogan
  • Garage Keepers Legal Liability coverage
  • Incidental Medical Malpractice (claims-made), including nurses, paramedics, EMTs, athletic trainers, and coaches
  • Punitive damages (where permitted by law)
  • Mutual aid
  • Liquor liability
  • Riot and civil commotion
  • Athletic participants
  • Fellow employee coverages (AL & GL)


Coverage Part B—Educators’ Legal Liability

  • Coverage provided on a claims-made basis
  • Employment-related practices including front and back pay
  • Employee harassment including sexual molestation
  • Employee benefits liability
  • Punitive damages (where permitted by law)


Our underwriting staff offers clients vast knowledge of reinsurance contracts and alternative risk structures. We also understand that each pool and its membership have different goals and needs based on their organizational structure, the state in which they operate, and their financial means. Genesis is skilled in tailoring our reinsurance response to those needs, and in analyzing a variety of underlying coverage grants or MOCs that serve the pool and its membership.

Genesis’ experience in pools spans the country, from Alaska to Florida, and includes pools that have a handful of members or hundreds of members with diverse exposures. Regardless of the size or type of pool, we seek to understand the unique nature of your pool and its needs.


PROPERTY       Pool    
(All Risk including EQSL & Equipment Breakdown)
Limit: 20% of $235M XS $15.25M
$0.003926 per $100 TIV


Both before and at the time of a claim, Genesis claim professionals work closely with pool claim staffs or third-party administrators. The Claim Department involvement assures pools and their membership that they receive the most professional response possible, with resources provided by a professional reinsurer who understands public sector risk issues.




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