Our proprietary policy analysis is designed to uncover coverage gaps in municipalities’ insurance programs

We Offer Outstanding Loss Control And
Protection For Unusual Risk Exposure

Preparing You for Tomorrow’s Risks – Today™

  • More Than 100 municipalities trust us. You can too!
  • Offering Risk Management Solutions Since 1984
  • Brown & Brown is currently ranked as the sixth largest independent
    insurance intermediary in the United States

Local People. Powerful Solutions.

Municipalities/Governmental Agencies

Brown & Brown of Lehigh Valley is one of the largest providers of Municipal Insurance in Pennsylvania. We provide insurance and risk management services to over 100 municipalities in Central and Eastern Pennsylvania including the Lehigh Valley. We have access to various markets with leading insurance companies specializing in municipal-risks including, but not limited to: cities, counties, boroughs, townships, municipal water and sewer authorities, and regional police departments. 

Areas of Specialization:

  • Townships and Boroughs
  • Water and Sewer Authorities
  • Cities
  • Counties
  • Volunteer and Paid Ambulance Companies
  • Housing and Parking Authorities
  • School Districts
city hall - We Eliminate Coverage Gaps In Municipalities Insurance


Brown & Brown of Lehigh Valley have been at the forefront of guiding municipalities to cost-effective workers compensation insurance since the inception of the PA Firefighter Cancer Presumption Act 46 in 2011. Our team has developed a streamlined, quick, and simple approach to reviewing and providing municipalities with workers compensation insurance quotes. We are capable of working with municipalities with firefighters and/or ambulance exposures and/or with municipalities that are plagued by higher-than-average claim history.

Meet the Municipal Practice Team

paul - We Eliminate Coverage Gaps In Municipalities Insurance

Paul Pugielli, CIC

Senior Vice President

Office:  610-694-1913
Mobile:  610-451-7899
[email protected]

Read about Paul here

Paul has been a Senior Vice President for over twenty five (25) years. His primary focus is in the administration of insurance programs for municipalities, municipal authorities and regional police departments. He currently administers the Pennsylvania Municipal Insurance Program (PAMIP) and the Keystone Municipal Insurance Trust (KMIT) for over 125 municipal clients. Prior to his Agency experience, Paul held various positions with insurance companies in New York City, Los Angeles and Bethlehem, Pennsylvania.

In addition to assisting individual clients with their insurance and risk management needs, Paul has conducted seminars and presentations for local government associations as well as for the PLGSA (Pennsylvania Local Government Securities Association and PSATS (Pennsylvania State Association of Township Supervisors). He has also published an article on Law Enforcement Liability for the Agent and Broker Magazine, and was recently interviewed for an article in The August 2020 edition of the Pennsylvania Township News regarding municipal insurance.  Paul currently serves as a member of the Hanover Township (Northampton County) Planning Commission.

Pat Dugan scaled - We Eliminate Coverage Gaps In Municipalities Insurance

Patrick Dugan

Senior Municipal Advisor

Office:  610-694-1805
Mobile:  484-554-5540
[email protected]

Read More About Patrick Here

Pat Dugan, a Senior Commercial Insurance and Risk Management Advisor, joined Brown & Brown of Lehigh Valley in 2016 after five years with Verizon.  A graduate of the University of Delaware, he specializes in commercial insurance for arborists and contractors and recently joined the Municipality team servicing clients in Pennsylvania.

As a Risk Management Advisor, Pat helps his customers stay up to date with compliance, minimize their contract risks, keep employees safe, and find affordable Workers’ Comp solutions.

Pat has offered his expertise at many webinars on Group Captives, X-MOD Management & Review, and Cyber Liability and Exposures.  As cyber threats continued to emerge during 2020 and currently, Pat provides cyber liability assessments to pinpoint critical security alerts.

Pat is active in both the Pocono and Lehigh Valley Chambers of Commerce.  Each year he works with the Gubich Invitational Tournament and Cups for a Cure to promote the events, gain sponsorships and raffle prizes, and set up and manage various aspects of the events.  He donates his time to The Children’s Home of Easton and New Bethany Ministries during community service events at the Lehigh Valley office.  Pat proudly serves as a board member of the Lehigh Valley Chapter of Wrestlers in Business Network, a national, non-profit networking group for those passionate about the sport of wrestling.  Members use this common bond to help each other achieve career advancement and personal growth.

A long-time resident of the Lehigh Valley, Pat was raised in Lower Nazareth and currently resides in Bethlehem, Pennsylvania.  Pat and his fiancé Alysia enjoy sports, the beach, concerts, hiking, and boating with their dog Cru.

iStock 1269703746 - We Eliminate Coverage Gaps In Municipalities Insurance

We provide solutions for the insurance issues facing municipalities today.

  • Deliver the most comprehensive and economical insurance options through the use of standard guaranteed cost plans, group-purchasing agreements, and dividend-option arrangements
  • Provide long-term cost stabilization to help our customers forecast their insurance expense and budget accordingly
  • Educate our customers on industry changes, trends, and emerging claim scenarios
  • Provide bench-marking information on a wide-range of metrics to evaluate your municipality relative to your peers
  • Deliver a customized suite coverage tailored to the unique exposures of your municipality, including, but not limited to the following lines of coverage:
    Package (Property and Liability)
    Commercial Automobile
    Public Officials Liability
    Police Liability
    Professional Liability
    Crime (Employee Dishonesty, Computer Fraud, etc.)
    Umbrella Liability
    Workers Compensation
  • Implement specific measures to reduce and control Workers Compensation costs
  • Frequent service calls throughout the year to address changes and/or questions.
  • Attendance at board meetings to address insurance issues as needed.
  • Appraisals of buildings to estimate replacement cost.
  • On site Risk Management courses to reduce injury and liability.
  • Periodic review of claims to highlight potential problem areas.
  • A semi-annual meeting with all our municipalities to discuss key concerns and find ways to reduce premium cost.
  • Offering of classes in insurance basics and Errors and Omissions liability to better educate our customers. Assist with setting up a Workers Compensation safety committee to obtain an annual credit of 5%.
  • Provide Motor Vehicle reports on drivers.
  • Comparison of current coverages to available coverages.
  • Bid spec review for contract work.
  • Defensive driving analysis.
  • Pre-Unit report analysis.
  • Renewal Marketing Analysis.
  • Affordable Workers Compensation with the potential to receive dividends
  • Assistance in establishing a Workers Compensation safety committee to receive a 5% reduction (a credit) on your workers’ compensation cost
  • Provide access to several exclusive programs for municipalities, with the ability to offer preferred pricing in certain situations
  • Deliver Health Insurance and other Group Benefits
  • Access to additional economical insurance programs for high-risk and/or loss sensitive municipalities, which have faced steady increases in pricing over the years

Speak with one of our Brown & Brown Advisors.

Introducing Cyber Liability Insurance With Exclusive Features

With Brown & Brown of Lehigh Valley you get more than a policy, you get a dedicated Brown & Brown Advisor and that makes all the difference.

Built to Last. ™

There is hardly a business, industrial or professional insurance situation that has not presented itself to Brown & Brown of Lehigh Valley – our commercial customers include General Business and Construction, Health and Human Services (including Child Welfare and Schools), Transportation and Towing, Community Associations, Governmental Entities, and Religious Institutions. And on a more personal note, insurance is available for your home and autos, recreational vehicles and watercraft, fine art, jewelry and other collectables.