Alternative Risk Products & Coverage

We offer insurance and reinsurance solutions for the following lines of business: General Liability, Auto Liability and Physical Damage, Public Officials Liability, Law Enforcement Liability, Employment Practices Liability, Educator’s Legal Liability, Sexual Misconduct Liability and Miscellaneous Professional Liability.

The Euclid Public Sector Alternative Risk retained limit coverage forms are very flexible in their design. We developed a superior product that will stand up well in this competitive environment. EPSAR can separate the coverage forms as a stand-alone product or combine them into a portfolio. Some additional features include the availability of an aggregate corridor deductible.

We can schedule our retained limits product over an underlying policy form in the event one or more lines of business are fully insured (i.e. Auto Liability).

Additionally, we can offer assumed reinsurance. Flexibility with the reinsurance template is available when required by the client. EPSAR can also offer coverage to pooling clients in the form of a retained limits or excess insurance policy.

Customized Proprietary Public Sector Insurance and Reinsurance with A M Best Rated A XV Carrier

Alternative Risk Brochure Download

  • $5,000,000 Separate Coverage Towers or a Single Coverage Tower
  • Minimum $25,000 Self-insured Retention
  • Mono-line Coverage Offering for AL/APD, GL, LEL, POL/EPL, ELL/EPL
  • Choice of Qualified Defense Counsel
  • Annual Aggregate Deductible
  • Single and Multi-line Self-insured Retentions
  • Soft Hammer Clause

Reinsurance and Insurance for Pooling Risks, Including Educational
Reinsurance options include:

  • Excess of Loss
  • Quota Share Pools/Share Loss Above SIR
  • Risks Attaching During
  • Losses Occurring During

Coverage Features

  • Wrongful Discharge
  • Discrimination
  • Nurses
  • Paramedics/EMTs
  • Psychologists
  • Counseling
  • Limited Pollution Liability
  • Liquor Liability
  • Employed Architects, Lawyers, and Engineers
  • Third Party EPL Option
  • Public Crisis Event
  • Broad Form Named Insured Defined
  • Sexual Abuse Molestation
  • Sexual Harassment
  • Choice of Qualified Defense Counsel
  • Auto Physical
  • Public Transit
  • Housing Authorities
  • False Arrest
  • Zoning—Planning

Third-Party Administrator

Napa River Insurance Services, Inc. is a third-party administrator and a wholly owned subsidiary of Hudson Insurance Company that provides claims services in the public entity market. We take a comprehensive approach to claims, providing a unique blend of expertise, responsive and personalized service, and innovative programs and technology to reduce your total claim cost and manage risk. We truly understand the industry and the particular challenges it faces.

Everything we do is focused on helping clients move past risk towards their future success, allowing them to move forward fearlessly. With six offices nationwide and experts with decades of experience in the industry, we know how to evaluate each client’s specific business, uncover risk, and craft risk and claims management programs that will protect their business and bottom line. View Napa River’s website for more information at