County and city governments across the state of Tennessee rely on NGU to provide liability, workers’ compensation, and other risk management programs.


School districts from the Mississippi River to the Great Smoky Mountains partner with NGU for a customized risk management program tailored to their needs. 


Utility districts rely on NGU for property and liability coverage, enhanced by additional specialized coverages to protect them from losses and damage.

Customized Risk Management Solutions

The NGU family is committed to serving the unique needs of our public sector clients. We understand that state and local governments, schools, and utility districts have devoted themselves to the public good, so we have vowed to treat them with the professionalism they deserve.

As the program manager of the Tennessee Risk Management Trust (TNRMT), NGU serves public entities to provide a full array of innovative risk management solutions.

The types of entities we work with on a day-to-day basis are:

  • County & City School Systems

  • Housing Authorities

  • Highway Departments

  • County & City Governments

  • Fire Departments

  • Emergency 911 Call Centers

  • Utility Districts

  • Sheriff & Police Departments

  • Human Resource Development Agencies

With creativity and innovation, we ensure our clients are always properly protected. NGU offers solutions tailored to your specific and unique needs.



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