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Public Sector

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Public Sector

The public sector operates in a unique regulatory environment. Insurance arrangements must deliver value for money, satisfy governance requirements and withstand scrutiny, while protecting increasingly diverse organisations and services. At RMK, we understand that public sector insurance is about much more than arranging policies. It requires an understanding of procurement legislation, public accountability, risk identification and the operational challenges faced by public bodies. Our experience includes working with local authorities, leisure trusts, arms-length organisations, education providers, charities and organisations operating under public sector framework agreements.

Where RMK Adds Value

Public sector insurance programmes often evolve over many years.

During reviews we commonly identify:

Historic policy structures that no longer reflect service delivery.

Contractual liabilities that are not properly insured.

Property schedules that have not kept pace with asset changes.

Limits of indemnity that no longer reflect today's claims environment.

Opportunities to simplify programme structure while maintaining protection

We understand the procurement environment

Public sector procurement is governed by legislation designed to ensure fairness, transparency and value for money. We understand the importance of balancing robust insurance protection with procurement compliance and commercial practicality.

Supporting Organisations Through Change

Public sector organisations continue to evolve through collaboration, shared services, outsourcing and partnership working. Insurance arrangements should evolve alongside those changes. Whether services are delivered directly, through charitable trusts, arm's-length organisations or partnership arrangements, we work with clients to ensure insurance programmes remain aligned with organisational responsibilities.

Understanding governance and accountability

Unlike many commercial businesses, public sector organisations operate within strict governance frameworks. We provide clear advice supported by documentation that helps decision-makers understand the rationale behind insurance recommendations.

Insurance is only one part of managing public sector risk

 

Public sector organisations face a broad range of operational risks, including:

  • Public liability arising from community services
  • Property portfolios across multiple locations
  • Vehicle fleets
  • Professional liabilities
  • Cyber security
  • Employers' liability
  • Volunteer exposures
  • Events and public gatherings
  • Leisure facilities
  • Museums and heritage assets
  • Property management