Municipal & Public Insurance

Nickel & Saph, Inc. is licensed as a retail insurance agent. We provide the placement of the broadest coverages and highest quality services related to property and casualty insurance. Through the years, we have developed a specific market niche in the public sector field. Working with carrier partners that are dedicated solely to the public sector, we can offer solutions to clients with populations from 1,000 to over 800,000 residents. We have experience insuring municipalities formed as cities, townships, villages, counties, water and sewer districts, fire districts, schools, and courts.

To enhance the loss prevention services afforded by our carrier partners, we periodically present topic-centered seminars for the benefit of our municipal clients. Past seminars have addressed the following: Playground Safety, Law Enforcement Policies & Procedures, MIOSHA Updates, Grant Writing, Employment Practices Policies & Procedures, Zoning and Land Use Issues, additional insured, and indemnification issues. We strive to hire presenters acknowledged within their fields to lead our seminars.

On a specific public sector loss prevention front, we afford partial reimbursement for those individuals who successfully complete either the Certified Zoning Administrator or Michigan Citizen Planner training. We represent a carrier that affords Inverse Condemnation coverage. If we can demonstrate the existence of specific professional certification related to the Administrator and Planner training, we may be able to secure increased limits for this important and unique coverage – a coverage that is not offered by many carriers and pools. In addition, we are presently an Allied Service Provider (Keystone Club) with the Michigan Township Association (MTA).

Questions? Please reach out to us. An experienced agency principal will be more than happy to discuss the benefits of a property and casualty program tailored to your community’s needs by Nickel & Saph, Inc.