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Public Entity Pak

Public Entity Pak Form Partnership Missouri Public Entity Pak

The Missouri Rural Water Associations Endorsed Insurance Program.

Who is Public Entity Pak?

  1. Public Entity Pak is a program for Missouri’s Public Entities and Municipalities offered by Continental Western Group out of Des Moines, IA. Continental Western Group is owned by W.R. Berkley who is a Fortune 500 Company. Continental Western holds a financial stability rating of A+10 and WR Berkley holds a financial stability rating of A+15.
  2. The Mike Keith Insurance Agency is the State Director for this program. A State Director is responsible for marketing the program state wide and for submitting all accounts to Continental Western. Once the account is written with Public Entity Pak the Mike Keith Insurance agency will work with the local agent on all claims and service work.
  3. The Mike Keith Insurance agency is proud to facilitate this program through local agents across the entire state of Missouri. We value the relationships we have worked hard to build with Missouri’s best and brightest agents. We are passionate about offering sound coverage and competitive pricing that agent’s can proudly present to your clients and prospects.

What accounts are eligible?

  1. Townships, Water & Sewer Districts, Special Road Districts, Drainage Districts, Soil & Water Conservation Districts, and Libraries if a Public Entity.
  2. All accounts will be pre-qualified to a 45% or less 4 year total incurred Property & Casualty loss ratio

What accounts are ineligible?

  1. Cities, Counties, Housing Authorities, Nursing Homes, Workshops, Non Profits (except for Water & Sewer Authorities).
  2. Workers Compensation is not offered through Public Entity PAK.

What coverage is offered?

  1. General Liability
  2. Employment Practices Liability
  3. Public Officials Liability (E&O or D&O)
  4. Property
  5. Mechanical Breakdown
  6. Inland Marine
  7. Electronic Data Processing Equipment
  8. Crime
  9. Umbrella


  1. All submissions must include:
    • Current YTD plus prior three years premiums and loss runs
      We will pre-qualify all accounts to a 45% loss ratio prior to working any submission.
    • 2 ½ page Liability Survey and all corresponding supplements
    • Accord Applications for all Property & Casualty coverage requested
    • We will work all submissions on a first complete basis.

Helpful Information

PEP Supplements

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