Beyond Insuring Municipalities. Ensuring Communities.

At FBinsure, we know from experience the hurdles that towns and counties overcome in their day-to-day operations. While city planning, road management, and public works are all expected, the rise in litigation has complicated the landscape. It is clear you need an insurance agent familiar with the intricacies of a local governing body.

Our offices have been insuring local municipalities for over 25 years and our Risk Advisors are experts at finding gaps in coverage and developing a risk management & insurance program to protect you.

Our team of experts rolls up their sleeves to work with you and your team. We collaborate to develop unique risk reduction strategies and an insurance program tailored to your specific needs. With the right combination of products, service, and value all local to you, there really is no other choice.

Our Risk Reduction Approach


We work with your leadership to identify risk control opportunities in more than a dozen areas of your business. This process is the first step in allowing us to make you more attractive to the insurance marketplace.



The result of our intensive Risk Reduction Process is a Risk Reduction Plan tailored to your specific organizational needs. This collection of proactive strategies becomes the basis of our ongoing relationship.


A goal without a plan is just a wish. Our team works with you to develop an implementation plan. We outline solutions, identify key players in your organization and ours, and schedule the timing of service delivery.

Our Risk Reduction Approach

Directors & Officers Liability

Directors & Officers liability Insurance (D&O), is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers. Such coverage can extend to defense costs arising out of criminal and regulatory investigations & trials as well. Intentional illegal acts, however, are typically not covered under D&O policies.

Commercial General Liability

The baseline for commercial insurance programs, a General Liability policy is issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of premises, operations, products, and completed operations; and also offers protection for advertising and personal injury liability that businesses are exposed to in the normal course of their daily operations.

Employment Practices Liability

Employment Practices Liability is a common coverage that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations in the workplace. The Equal Employment Opportunity Commission (EEOC), recognizes eleven types of employment practices discrimination: age, disability, equal pay/compensation, genetic information, national origin, pregnancy, race/color, religion, retaliation, sex, and sexual harassment.

Cyber & Data Breach Liability

Cyber & Data Breach Liability is designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network (via credit or debit card for example). Cyber and Privacy policies cover a business’ liability for a data breach in which the firm’s customers’ personal information, such as social security or credit card numbers, are exposed or stolen by a another party who has gained access to the firm’s electronic network. The policies cover a variety of expenses associated with data breach, including notification costs, credit monitoring, costs to defend claims by state regulators, fines and penalties, and loss resulting from identity theft.

Request a Quote

Just answer a few simple questions and a Risk Advisor will contact you within 1-2 business days.