Municipalities and Public Entities Industry
You need a partner who can help you mitigate risks through public sector insurance and empower your workforce with employee benefits that protect your margins and your people.
Sustainable Employee Benefits for Public Entities
We help municipalities, school districts and utility organizations deliver smarter, more sustainable municipality and public sector employee benefits — without overwhelming local HR and finance teams.
Rx and Medical Transparency Solutions
Many public entities are unaware of their fiduciary obligations under federal transparency laws, or that ERISA obligations are lower than corporate benefit groups. NFP delivers contract reviews, PBM analysis and fiduciary support to control spending and reduce exposure.
Executive and Leadership Benefits
Succession planning and retention strategies are often underfunded — especially for city managers, superintendents and department heads. NFP helps build board-friendly, reputation-conscious programs.
Union-Aware Ancillary Benefits
Voluntary benefits, disability plans and accident coverage structured around collective bargaining agreements can expand employee support without increasing base compensation.
Financial and Retirement Planning
Pension plans often leave gaps. We provide supplemental retirement planning, deferred compensation education and financial coaching to improve long-term engagement and retirement readiness.
Wellbeing and Mental Health
Educators, public safety personnel and frontline workers face unique stressors. Tailored wellbeing programs reduce burnout and support emotional resilience.
Human Capital Strategy
From onboarding tools to inclusion and belonging planning, we support lean HR teams with scalable, strategic workforce solutions, informed by compensation studies and data.
The Problem
A city government needed to keep costs at bay while making sure their employees retained quality coverage. They had a contract offer that would save them money but would lock out other providers. The client needed a detailed analysis of network options, providers, discounts and projections of future cost savings.
The NFP Solution
NFP provided analyses from actual medical claims paid for healthcare providers and worked hard to understand what the city wanted to include in their benefits package. Then, NFP solicited bids to obtain the most competitive price and performance guarantees. As a result, the client was able to avoid a costly and exclusive contract offer and secure a more cost-effective contract. They implemented an integrated wellness plan to ensure their employees continued to understand the full value of their benefits.
Protect your municipality or public entity with tailored benefits and insurance.
Connect with an NFP specialist today.
Navigating Specialized Risks and Tight Budgets with Public Sector Insurance
NFP helps municipalities, school districts, emergency services and public agencies optimize costs, protect their people and assets, and serve their communities with confidence. With decades of direct municipal experience, we deliver comprehensive public entity insurance coverage, stronger compliance strategies and cost-effective public sector insurance programs built for your unique needs.
We don’t just design plans — we solve problems:
Public Officials and Employment Practices Liability
Protects against claims of mismanagement, harassment, discrimination and other governance-related exposures.
Cyber Liability Coverage
Secures sensitive data against breaches, ransomware attacks and financial fraud.
Environmental Liability
Provides pollution and contamination protections, particularly important for public infrastructure projects.
Workers’ Compensation Optimization
Provides programs specifically tailored for public safety roles (police, fire, EMT) and broader municipal workforces.
Risk Transfer and Contract Analysis
Gives you expert support in structuring contracts to shift or minimize municipal financial exposure.
Catastrophe and Climate Risk Management
Expert strategic support to help you close coverage gaps as extreme events become more frequent and traditional markets tighten.
The Problem
A county government needed help implementing a program that would stabilize their health plan costs and improve their employees’ personal investment in their health. They had over 200 employees on a self-funded health plan and were experiencing excessive cost increases.
The NFP Solution
NFP helped the client re-engage employees by providing program management and year-round health promotion with biometric screenings, lunch and learns, challenges, results-focused and goal-oriented health coaching, wellness team oversight and more. With NFP’s comprehensive program in place, the client’s employees were incentivized and educated to take greater ownership of their health.
“Our municipal employee benefits specialists act as an extension of your team, offering data-driven cost containment, transparent plan design and expert guidance rooted in compliance and collective bargaining expertise.”
Johnathan Shaw
Managing Director, Public Sector Benefits
“Whether you’re transitioning to a self-funded model, navigating rate volatility or modernizing your offerings, we bring the tools and experience to help you govern with confidence — and care for the people who keep your community running.”
Michael Ongkiko
Senior Vice President, HR and Benefits
Our Expertise in Action
See how our experts are implementing solutions for today's risk, workforce, wealth management and retirement challenges.
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We’re here for you, whether you know exactly what you need or just know you need a partner to help advocate for your business, your people or your life.
