“Our City Council is very pleased to have approved a renewal property insurance program, with the help of Lambent Risk Management Services, at an almost 35 percent reduction in cost and with much broader terms and conditions. We have lost nothing, gained much and saved premium dollars by working with Lambent Risk Management.”

Elke Tober-Purze, Interim First Assistant Corporation Counsel for the City of Evanston

Covering the village.

Municipal risk management strategies are critical not only for the government body itself but for the people in the communities they serve.

Across the nation, communities both large and small face similar risks as they relate to employee injuries, theft, general and property liabilities, security risks and employee benefits programs. But no two municipalities are alike. Each deserves its own separate review and special consideration of the types of insurance coverage it requires to meet specific needs and to manage unforeseen risks.

Lambent designs comprehensive insurance programs that protect municipalities from the threat of lawsuits filed by workers and citizens; lost productivity due to injuries or illness; crime; theft; embezzlement; cyber attacks, and damage to property due to natural disasters or vandalism. We also design programs for group health benefits; commercial auto; public official liability; errors and omissions, as well as general liability, property and casualty coverage.

Our risk management consultants provide a complete assessment of potential exposures using Lambent’s 5-Step Reveal Process. In addition, our municipal clients will receive a risk management profile that identifies existing or potential liability and exposures, and a comprehensive list of recommendations on how to limit or eliminate them. We provide on-site technical assistance, development of new policies and procedures, and also review existing ones.