Public Entity – PRIME

The Horton Group (Laub & Horton) knows that city, village and town officials face numerous challenges every day. From public works, to law enforcement, to emergency services, they are entrusted with an important responsibility -
to protect the public and serve the members of their community. That responsibility can expose these officials and their entities to unexpected property or liability losses. We believe that with so many complex issues to manage, obtaining appropriate insurance protection shouldn't be one of them.

That is why we developed PRIME, a public risk insurance program that offers necessary coverages in one simple, cost effective package. PRIME is an innovative set of policies designed specifically for Wisconsin cities, villages and towns with populations of 10,000 or less. We feature a broad range of valuable coverages and a simplified format that make PRIME unique among public entity program's available today.

By integrating an unprecedented array of relevant coverage features in a single program, obtaining appropriate protection has never been easier!

• Liability policy includes coverage traditionally purchased separately for Law Enforcement Liability, Public Officials Liability, General Liability, Employment Practices Liability, Employee Benefits Liability, Professional Healthcare Liability, Specified Pollution Liability...and more!
• Property policy bundles coverage for Property, all forms of Equipment, Flood & Earthquake, Systems Breakdown, Crime and more!
• Auto policy features Agreed Value protection on emergency service vehicles
• PRIME is the only public entity insurance program that includes the specialized coverage and services of VFIS. VFIS features a nationally-recognized program for fire and emergency service organization.
• PRIME is underwritten by a carrier that has earned A.M. Best's highest rating (A+).