Public entities face growing complexity in managing property risk — balancing budgets, maintaining infrastructure and ensuring reliable protection for their communities. GovPro property insurance brings Gallagher's deep knowledge of the public sector into a unified property program designed for clarity, stability and long-term value, helping organizations safeguard what matters most.

Comprehensive property coverage built for public entities

Across the country, local governments and public institutions face an increasingly complex property landscape. Rising premiums, higher deductibles and limited coverage options have made protecting public assets more difficult than ever.

GovPro property was created to change that. Developed within Gallagher's Public Sector practice, GovPro brings together our global property specialists to deliver a modern, ethical and collaborative approach for municipalities, counties, school districts and public utilities to safeguard their buildings, infrastructure and communities.

With GovPro, our clients gain access to:

  • A master property policy with $1B in shared limits
  • Proprietary policy terms with favorable conditions
  • Customized coverage for equipment breakdown and terrorism exposures
  • Risk engineering, property appraisals, catastrophe modeling and claims advocacy services

Gallagher helps public-sector clients stabilize pricing and strengthen coverage, fostering lasting partnerships with the organizations we serve to protect the financial value behind every asset they manage.

GovPro: Designed to deliver structure, strength and foresight

At the heart of GovPro is the commitment to helping public entities protect their property with confidence. Every part of the program — from pricing and structure to service delivery — is designed to provide reliability, consistency and clarity in how coverage is managed.

Four ways GovPro delivers confidence and value:

GovPro provides exclusive access to a flexible, growth-focused property program designed to stabilize pricing for members while maintaining best-in-class coverage and services. Every policy is built on accurate data and sound underwriting to ensure long-term value and sustainability.

This program is built around a master property policy that unites participating entities under standardized terms, limits and conditions. This structure helps ensure better outcomes in coverage, pricing and renewals, delivering long-term stability.

GovPro establishes a new standard for managing public property risks through advanced analytics, AI and forward-looking data. This approach helps members anticipate risk trends and make informed, strategic decisions to protect their communities and infrastructure.

Get access to Gallagher Global Network, a robust international network that brings together the deep experience of Gallagher divisions to deliver coordinated insight, stronger market relationships and actionable data analysis. This unified approach ensures clients receive the full benefit of Gallagher's global scale and local knowledge.

A growing community of public sector resilience

Since its launch in July of 2025, GovPro has continued to expand — helping more public entities manage risk effectively while maintaining coverage continuity.

The program's first year represents $25M in premium placed, projected to grow as it extends to more cities, counties and K-12 institutions across the US.

Behind every policy is the same mission: to give public entities confidence that their assets, people and communities are protected against the unexpected.

Together, these tools provide a powerful combination: data-driven insights and proven methodology that transform risk into opportunity for your institution.

Success story: Enhancing asset protection for a major public school district

The challenge

In 2018, a large school district struggled to secure affordable property insurance after sustaining a $18M hail loss, even though it had invested in new roofing across its buildings.

Standard carriers responded with steep wind and hail deductibles, forcing the district to pay significantly higher premiums just to reduce its exposure.

The solution

Gallagher tailored a solution in which we conducted a comprehensive review of the district's improvements. The program recognized the district's enhanced risk profile and incorporated appraisals for its largest assets directly into the coverage structure, eliminating the need for separate appraisal expenses.

By aligning underwriting strategy with the district's specific financial and operational goals, GovPro delivered a robust and cost-effective insurance framework.

The result

The district secured a 14% reduction in premiums and a 3% decrease in its wind/hail deductible, substantially lowering its financial exposure.

With appraisal costs removed and a coverage structure optimized to its risk profile, the district gained a more predictable, sustainable insurance model. GovPro proved to be a standout solution, strengthening the district's long-term financial resilience.

GovPro property insurance: Strategic partner for evolving public needs

Public entities face complex and changing property risks. GovPro provides the structure and foresight to meet them. Through data-driven insights and long-term collaboration, we help public organizations protect assets, strengthen resilience and prepare for emerging challenges. Our specialists combine deep market knowledge and analytics expertise to deliver protection that adapts to change, empowering clients to approach the future with confidence. GovPro property is available in most states for preferred risks only.

Meet the GovPro Property Insurance leader

Gov Pro Property Insurance Summary

  • Comprehensive property protection designed exclusively for public entities, including municipalities, counties, public utilities and K-12 school districts
  • Data-driven insights and modeling that enhance underwriting accuracy and improve long-term risk management
  • A collaborative approach that unites our global resources and local knowledge to deliver best-in-class solutions and results

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