Municipality Insurance


For more than seven generations, Gilbert’s Risk Solutions has been helping Pennsylvania municipalities, counties, and related public sector entities to manage risks and find the right insurance coverage. At our founding, Pennsylvania’s population was just over 2 million people; today the population approaches 13 million. Public governance has grown to keep pace, and with the growth comes new and emerging risks. We’ll help you to manage those risks with the same honesty, integrity, and values that have steered us over the years.

Public entities have unique needs and at Gilbert’s Risk Solutions, we understand those needs. From buildings and vehicles to public safety and public works, the exposures are varied and complex. Plus, there’s wide range of employee exposures, from low risk office workers to the high risk roles of firefighters and police. Budgets are tight and every decision faces public scrutiny.


Typical commercial insurance policies do not provide suitable coverage. Insurance coverage must be tailored to each Pennsylvania municipality’s unique circumstances. Gilbert’s Risk Solutions insures a wide range of public entities of varying size and scope. Find out how we can help your municipality meet your responsibilities to your community, your budget, your employees, and to public safety.


While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk and we look forward to helping you, too – no matter where it is that you call home.

Common insurance coverage for Pennsylvania municipalities



Other services


Our goal is to be your outsourced risk management partner

Business owners know that there’s always something that can go wrong.  Whether it’s a production delay due to a problem in the supply chain or a worker injury on the plant floor, you need to protect your operations, your productivity, and your bottom line. Gilbert’s Risk Solutions can help.

Our goal is to be your outsourced risk management partner

Running a city, a town, a borough, or any public entity is a complex enterprise and demands a trusted risk partner. Gilbert’s Risk Solutions will work in tandem with you to identify areas of potential greatest exposure and recommends solutions to mitigate the risk. When it comes to protecting your operations, your staff, the public, and your bottom line, Gilbert’s Risk Solutions can help.

Our Process

Although insurance is a critical component in business protection, it’s only one component. To prevent losses, it’s important to also manage your risk. The Gilbert’s Risk Solutions process is a consultative one, based on a risk management approach. Our proprietary RISK SHIELD® Process identifies your facility’s unique exposures and puts a loss control plan in place to mitigate those exposures. Often, the solution is an insurance product but, frequently, it’s a recommendation for a process, staff training, or a measure that will reduce an exposure.

Tailored Solutions

When it comes to your insurance coverage, we don’t take a cookie cutter approach. While there are many basics that should be covered – property, liability, and workers’ compensation, for example – there are many specialized coverages that may be important depending on the size and nature of your operations. As part of our risk assessment, we will advise you of any exposures that might warrant risk control measures or a supplemental form of insurance.

360 Degree Approach

We take a 360 degree view of your golf course operations to ensure that all aspects of your business are secure. Our team of experts in Loss Control, Employee Benefits, Human Resources, and Surety Bonds are all available to our Gilbert’s Risk Solutions commercial clients, ensuring multi-pronged approach to risk mitigation.