Professional Governmental Underwriters, Inc.

Insurance Agency in Richmond
Opening at 8:30 AM tomorrow
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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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PGU specializes in Police Professional Liability but most brokers just think of municipal police. Please keep us in mind when you see airports, ports, transit authorities and housing authorities because many of them have police who need insurance coverage. Also, we write humane societies which a...

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We know it by many names – School Board Legal Liability, Educators Legal Liability, Educators Management Liability… and it always includes Employment Practices Liability (EPL). The combination form of D&O, E&O and EPL is designed to protect those individuals who serve as board members for various...

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At PGU, one of our product niches is Public Officials Liability insurance. We have offered it for almost 20 years. You may know it as Public Officials D&O, Public Officials E&O or even Public Officials Management Liability.

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Two state legislators are pushing a measure to help ward off lawsuits, many allegedly frivolous, that are stretching the threadbare finances of state and local governments.

The bill, introduced July 1, would establish pre-litigation screening panels whose favorable review of a suit’s merit would...

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There is no question about it. Most clients are unaware of their new liabilities under state and federal privacy laws. Unfortunately, unlike the old cliché, “ignorance is not always bliss “.

In today’s economy, even if clients are aware of their new liabilities, they are likely too stressed from...

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The roles and responsibilities of school boards have not always been clearly understood. Because the needs vary district by district, leadership and management styles may vary. The real need for each district is for boards to decide the powers and responsibilities of each board member and the boa...

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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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