Property & Casualty

General Liability

  • Claims Made/Occurrence
  • Law Enforcement
  • Commercial General Liability
  • Special Events Coverage
  • Employee Benefits Liability


PRM provides its members with the very best property coverage in the marketplace with no additional charge for mid-year endorsed properties. The PRM property program is substantially reinsured with Lloyd’s marketplace. For a detailed list of what PRM offers, please contact Robbie Chartier at

Workers' Compensation

PRM’s workers’ compensation coverage provides statutory coverage, coverage for council members and employer’s liability. There are many choices available including deductible options to suit your entities budget and needs.


Employment Practices

PRM provides its members with the very best employment practices coverage with a dedicated team of attorneys to handle claims in the areas of wrongful termination, sexual harassment, wage & hour, and many other employment-related topics.


In addition to over-the-road coverage, PRM members have the option of replacement cost or actual cash value when replacing vehicles.


Other Coverages

  • Crime & Fiduciary
  • Special Events Coverage
  • 401K/MEP
  • Active Shooter
  • Aviation
  • Drone
  • Accidental Death + Dismemberment
  • Pollution
  • Sports Accident
  • Bonds

Cyber Liability

PRM offers Cyber Liability of up to $1 million dollars per member.

Excess Liability

PRM offers Limits of up to $10 million dollars. There is no endorsement limiting liability coverage tort caps per Florida Statute 768.28.


Request A Quote

World Risk Management acts as an insurance consultant and broker for the property and casualty pool, providing the PRM membership with expertise and guidance in finding creative solutions to members risk management needs. To request a quote please contact Robbie L. Chartier at or (239) 671-1619.

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