Professional Governmental Underwriters, Inc.

Insurance Agency in Richmond
Open today until 5:00 PM
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The Great Debate: Vaccination Requirements in Schools | All across the country, states are debating whether or not to make it more difficult for students and their families to avoid vaccinations due to religious or philosophical reasons. Unfortunately, at this time, measles has made a comeback an...

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The Issues with Rented Buildings for Charter Schools | For some charter schools in the United States, things can get complicated when it comes time to pay the rent. Charter schools that rent buildings owned by landlords, such as school districts, may have to give their building back at some point...

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Should Schools Have Compulsory Physical Education? | Many public schools are looking for ways to cut costs heading into the next school year and are cutting back on physical education courses, even though funding these programs doesn’t cost as much as others. From lack of funding to school testin...

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School Lockdown Procedures: The Good and the Bad | When it comes to school lockdown procedures, there is no uniform protocol that will work the same way in every school. This is because procedures must reflect differences in school design and the response capabilities of local law enforcement. Lo...

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How to Design Effective Evacuation Policies for Schools | There are a number of reasons in which students are told to evacuate their school. From bomb scares to fires to active shooters, student evacuation stories are brought up in the news almost every day throughout the country. Most schools ha...

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The market for Educators Management Liability is changing because schools are changing the way they deliver their product and services. In the past, we could split schools into groupings of public or private, pre-K-12 or college and add in the adult vo-tech. Now we see the options being offered e...

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Who needs this coverage?

This protection is needed by any municipal governmental entity including, but not limited to, cities, towns, townships, boroughs, villages, authorities, special service districts and commissions. All persons who were, now are, or shall be lawfully appointed officials of ...

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We’ve been very active writing D&O/E&O and EPL for public and private K-12 schools and also colleges and universities. Now we are writing K-12 boarding schools as well. Max limits are $5 million. Give us a call!

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In these recessionary times, Public Officials Liability and related Employment Practices Liability exposures are heavily in focus. As property values decrease and the related tax revenue lags behind prior years, munis and also schools must pay close attention to their budgets.

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  • Educator

    Today’s schools are faced with an increasing number of lawsuits based on issues such as dress codes, special education, sexual discrimination and failure to educate. A broad spectrum of insurance coverage is essential to protect the educational entity, its employees and even its volunteers. Employment Practices claims are the most frequent type of lawsuit brought against school board officials today. Terminations, hiring and promotions comprise almost half of the claims made. Student suspension/expulsion, discrimination and integration cases are brought against school officials at an alarming rate.
  • Public Official

    This protection is needed by any municipal governmental entity including, but not limited to, cities, towns, townships, boroughs, villages, authorities, special service districts and commissions. All persons who were, now are, or shall be lawfully appointed officials of the public entity, should have this coverage. Also at risk are members of commissions, boards or other units operating by and under the jurisdiction of the public entity and all employees and volunteers of such public entities.
  • Police Professional

    Why do I need this policy when the city or county I work for already has a general liability policy? Police officers and their departments can face claims of negligence, failure to protect, false arrests or civil rights violations. These suits can lead to costly litigation for law enforcement professionals and the communities they serve. Police Professional Insurance through PGU can help mitigate financial loss so your police department can continue to protect you and your fellow citizens. Our policy ensures coverage for acts, errors, and omissions which occur while officers perform their professional duties.The balance of rights between the lawbreaker and the law has changed. Courts have made it easier for criminals and suspects to bring suits against law enforcement and criminal justice personnel. Awards have skyrocketed and the courts have recognized extended liability of the defendants’ superiors, including the mayor, municipal manager and executives.
  • Active Shooter

    The intention is to provide your clients with a product that provides unique / bespoke, primary coverage for an active shooter event and a pro-active product that provides leading risk management services and a partner to help an education provider through such a terrible event. Please note that the intention of the risk management provision is to provide a complementary review of how the respective education provider is currently handling this exposure, it is neither a critique nor a criticism but simply a separate independent review in order to provide some suggestions and betterment of their current protocols. Minimizing the exposure is what our event responder team‘s objective is.

About us

Professional Governmental Underwriters, Inc. is a full-service risk management company dedicated to assisting public, educational and non-profit entities in the management of their professional liability exposures.  Current operations are dedicated to underwriting and marketing Public Officials Liability, Law Enforcement Liability and Educators Liability insurance. We are dedicated to providing state-of-the-art professional underwriting management and loss control advisory services on behalf of our designated carriers. We operate through a network of professional producers who seek specialized services for their public, educational and non-profit entity clients.

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  • (804) 272-6557


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9020 Stony Point Parkway Suite 455
Richmond, VA 23235
United States

Business Hours

Mon:8:30 AM – 5:00 PM
Tue:8:30 AM – 5:00 PM
Wed:8:30 AM – 5:00 PM
Thu:8:30 AM – 5:00 PM
Fri:8:30 AM – 5:00 PM
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