As the Program Manager for the Tennessee Risk Management Trust (TNRMT) we are proud of the relationships we’ve fostered with our Schools, Counties, Cities, Utilities and and other public entities.

We are devoted to providing our client’s with a risk transfer program that is designed for their unique needs. The list below contains the property, liability, and specialty policies we most commonly place, however additional coverages are available should you have an exposure that is not addressed. NGU is here to ensure our clients are properly protected.


Inland Marine

Boiler & Machinery

Crime/Employee Dishonesty

Auto Physical Damage


Builders Risk


Workers Compensation 

Employers Liability 

General Liability 

Auto Liability 

Errors & Omissions 

Directors & Officers 

Employee Practices Liability 

Specialty Lines

Aircraft and Airport Liability 

Pollution Liability 

Student Accident 

Surety Bonds 

Public Official Bonds 

Cyber Liability 

School Board Legal Liability