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Cost Advantages

Exclusive price controls, innovative program design, and responsive service APIP coverage is significantly broader and typically 10% to 20% less expensive than similar placements offered by competitors. The program offers per occurrence limits up to $1 billion. APIP’s size gives members competitive pricing and access to large earthquake, flood, and wind limits with a carefully managed spread of risk.

In addition, APIP members can count on getting their claims paid in a timely manner.

Highly rated global insurers and reinsurers with minimum AM Best rating of A- category VII provide coverage that includes:

  • Per occurrence limits up to $1 billion
  • Broad insuring agreements
  • Coverage for all property of every description of an insurable nature—both real and personal—of the insured Coverage for property of others in the care, custody, or control of the insured for which the insured is liable wherever located in the United States
  • Replacement costs for physical damage, including comprehensive and collision damage as an option for automobiles
  • Automatic acquisition of new locations which allows entities to grow without having to wait for underwriting approval
  • Blanket fine arts coverage (if scheduled)


Coverage for Boiler and Machinery

APIP includes coverage for boilers and machinery with limits up to $100 million. Established boiler and machinery authorized inspection agencies are used for both jurisdictional and consultative services. This ensures you receive board-certified engineering expertise in machinery, equipment, electronics, and HVAC through a nationwide field network.

To manage a wide range of critical exposures, the program also provides our clients with electrical loss prevention surveys, infrared thermography, industry and technical consultation, a key account service plan, transformer oil gas analysis, boiler operation and maintenance training, and boiler and pressure vessel inspection services for non-code vessels (and vessels located in jurisdictions that do not require inspections).

Environmental Risk Coverage

Our team of dedicated underwriters has extensive experience in environmental risk and a strong understanding of the unique needs of public entities. To protect your organization from the catastrophic impacts environmental liabilities can have on the physical and financial infrastructure of an organization,

APIP members receive first and third party pollution protection against the broad range of environmental risks facing public entities. This coverage includes premises, covered operations, transportation, bodily injury/property damage from pollution conditions, pollution clean-up, mold, and both above-ground storage tanks (ASTs) and underground storage tanks (USTs) coverage.

Cyber Risk Coverage

Cyber liability looms larger than ever and coverage against it is essential to protect the health of your organization. As an APIP member, our cyber risk specialists will help you assess exposures that threaten your organization, and deliver first and third party coverage to match your risk profile to shield your agency from the ever-changing world of technology related risks.