Public Sector Insurance

We believe that with so many complex issues to manage, obtaining appropriate insurance protection should not be one of them.

Our clients protect the public and serve the members of their community. That responsibility can expose officials and administrators as well as their facilities to unexpected lawsuits and losses.

Services for the Public Entity & Institution

The Horton Group concentrates on providing insurance, risk management and employee benefits for public entities and institutions. As one of the largest privately-held insurance brokers in the country, The Horton Group offers a comprehensive portfolio of products and services especially for public entities.

Issues to Watch

We’ve compiled a list of critical issues and topics for executives to keep on their radar for this calendar year.

2016 Municipal Sector Watch List

2019 Public Sector Watch List

As we quickly head towards 2019, demands on local governments to deliver services will increase while the tax base continues to erode. Know the issues that will impact your organization in the upcoming year.

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Article: IRS Invites Comment on Cadillac Tax

IRS Invites Comment on Cadillac Tax

Notice 2015-16 describes potential approaches for a number of issues under the Cadillac tax, which could be incorporated in future proposed regulations.

For taxable years beginning in 2018, the Affordable Care Act (ACA) imposes a 40 percent excise tax on high-cost group health coverage. This tax, also known as the “Cadillac tax,” is intended to encourage companies to choose lower-cost health plans for their employees.