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Insuring Your Success

Commercial insurance brokers and risk management consultants

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Welcome to

The Selzer Company

A few words from our founder.

I would like to welcome you and thank you for spending a few moments to learn about The Selzer Company.

By means of comparison, we are in the top 5% of all insurance brokerage firms in the United States. As such, we are capable of handling the most complex insurance needs of the largest companies throughout the country. Our expertise and technology allows us to access virtually every meaningful insurance marketplace.

At a time in our country when we continue to experience an erosion in our relationships, it is essential that we, at The Selzer Company, remember that our success in business and in life is the culmination of these honest, caring, and respectful relationships.

Ronald J. Selzer
Chairman of the Board

The Advantage of an Independent Agency
Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We offer a wide variety of insurance solutions.

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As an independent agency, we are here to help you find the right coverage.

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Solutions Toward Insuring Your Success

Providing a variety of business insurance and specialized business solutions is what The Selzer Company does best.

Business Insurance

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Specialized Business

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Specialized Business Solutions Tailored to You

Insurance coverage and risk management solutions for companies in various industries of all types and sizes.

Our Industry Specialties

Risk Control Services

Plan and prepare for the future of your business.

Risk management goes beyond insurance. It’s about planning for and mitigating potential risks and strategizing for the long-term.

Risk Control Services

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What Makes The Selzer Company Special

Here’s what sets us apart when it comes to serving your insurance needs.

Modern Solutions

Our expertise and technology allow us to access virtually every meaningful insurance marketplace.

Old-Fashioned Service

We go the extra mile to exceed expectations and offer insight on the most valuable solutions to minimize exposure.

Experienced Agents

With extensive experience, we understand what it takes to bring you quality coverage to clients nationwide.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Municipality

Property Insurance

Risk Factor

Your township building is susceptible to many perils throughout the year such as wind, rain, collapse, fire, and smoke. When significant damages to the building occur, how will you replace the building and its contents to continue servicing the township?

Solution

Property insurance can help protect the property your township owns or leases, including things like equipment, supplies, furniture, and fixtures. Whether you own your building or lease your workspace, property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Abuse and Molestation

Risk Factor

There are hundreds of reports each year of children being sexually abused by adults. This exposure is excluded from the standard general liability policy form.

Solution

Obtain the proper abuse and molestation coverage to protect the municipality from the possibility of significant financial loss in the event of an allegation. In addition, have written documentation within the municipality to address how to prevent sexual abuse from happening, how to report it to authorities, and what to do in an event of an allegation.

Sewer Authority

Risk Factor

If a municipality runs the community sewer and wastewater plant, it can be exposed to many risks such as failure to supply, water contamination, notification expenses, and others.

Solution

A sewer authority coverage liability form can cover the professional activities that go along with managing a wastewater treatment facility. Some forms include errors and omissions, failure to supply utilities, and other necessary coverages such as equipment breakdown for the facility.

Public Officials Liability

Risk Factor

Any municipality that has elected public officials or governing boards (park boards, historic boards, etc.) has exposure for the financial and other decisions the boards make, which affect the entire population of that municipality.

Solution

A municipality can be held liable for wrongful acts and decisions made by elected public officials and governing boards and will need to defend against such allegations. Having a liability policy that can protect against these risks is essential. This can also include employment practices liability as well.

Law Enforcement Liability

Risk Factor

Having a municipal police force has many areas of liability, especially in today’s legal environment. Police can be held liable or sued for wrongful detention, police brutality, and other accusations. Unfortunately, these claims normally carry a high dollar value.

Solution

Law enforcement liability provides coverage for the municipality and its police officers for allegations that may arise from an officer’s actions. This coverage can also include a line of duty accidental death coverage and a moonlighting endorsement.

Flood and Earthquake Coverage

Risk Factor

Depending on your location and surroundings, your borough could be in an earthquake and flood-prone area. The common property policy excludes coverage for these types of claims, leaving a municipality with significant structural or water damage and no coverage.

Solution

Adding earthquake and/or flood policies can cover property claims when those disasters occur. Depending on the zone you occupy, limits can go up to $10M and will include a deductible per occurrence.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation and employers liability insurance protect your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in, as well as all physical locations where you hire your employees.

General Liability Insurance

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen on municipal property. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity. It provides broad coverage when the municipality is deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Public Entity Insurance 101

Make sure you cover the unique risks you face with public entity insurance.

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  Contact The Selzer Company

As an independent agency, we are here to help you find the right coverage.

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The Selzer Company

975 Easton Road, Suite 100
Warrington, PA 18976

Proud to serve clients nationwide from our Southeast Pennsylvania office.

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