The Public Entities Pool of Ohio (PEP) is a local government risk-sharing pool comprised of local public entities, including: cities, counties, fire and ambulance districts, villages, health districts, agricultural societies, and parks and recreation districts. More than 600 of these political subdivisions receive programs and benefits specifically tailored to meet the unique needs of this distinctive group of public entities. By providing its members with stable, proactive, responsive, and cost-effective coverage for their risk management needs, PEP is the leading insurance alternative for public entities in the state of Ohio.

In 1986, Greene County, the Warren County Planning Board and the City of Loveland joined together and formed the Public Entities Pool of Ohio. From the original three members, PEP has grown to now include more than 600 public entities. The three founding members, Greene County, Warren County Planning Commission, and the City of Loveland, remain valued members of PEP. 

In 1991, the PEP Board of Directors entered into sponsorship agreements with two agencies, the Ohio Parks & Recreation Association (OPRA) and the Association of Ohio Health Commissioners (AOHC). These relationships continue today, and PEP maintains  its commitment to provide specialized coverages that meet the unique needs of park districts and health districts and departments.


In 2015, the Coalition of Ohio Regional Districts (CORD) provided its endorsement of PEP. CORD is a non-profit association established to assist, protect and advance the interests of Ohio's Regional Water and Sewer Districts.


In 2017, PEP was excited to gain the trust and confidence of the Ohio Municipal League (OML), by adding this partner to its list of endorsing agencies. The OML has been representing the collective interests of Ohio cities and villages since 1952.


Since the inception of PEP in 1987, PEP has always been a member-focused and member-operated group self-insurance pool. For over 35 years, PEP has continued to evolve to meet the changing needs of its members.  We remain devoted to extending and strengthening our member service programs to help guide and educate public entities with risk management strategies and focused learning opportunities.


As a strong supporter of risk management practices and procedures, our goal is to provide our membership with realistic and actionable advice that encourages all PEP members to become better informed on a variety of processes, procedures, habits, and behaviors that help avoid or reduce claims and related expenses, minimize injuries to employees and others, and protect our members' assets. And, to further assist members in their risk management needs, PEPís online eResource Library, offers thousands of documents and online training materials, all at no cost to our members.


To this day, PEP has been recognized as providing the broadest coverage available to Ohio public entities.  PEP provides its members with a full range of commercial coverage products, at stable rates, and with first-class service.  These coverages include General Liability, Automobile Liability, Law Enforcement Liability, Public Officials Liability, Employment Practices Liability, Property, and Auto Physical Damage.

The PEP Board of Directors looks forward to continuing to provide its members with the most responsive and easy-to-use risk management program, claims and litigation management expertise, and broad and coverage forms that are quick to respond the ever emerging and evolving risks for public entities throughout the State of Ohio.



To form a local government risk pool, to provide for a joint or cooperative action by Members relative to their financial and administrative resources for the purpose of providing risk management services and risk-sharing facilities to the Members and to the Members' employees, and to defend and protect any Member of the Pool against liability.



The Public Entities Pool of Ohio (PEP) was designed to offer Ohio public entities liability and property coverage at a fair and stable price. PEP has met this goal.

The PEP program is endorsed by the Ohio Municipal League, the Association of Ohio Health Commissioners, the Ohio Parks & Recreation Association and the Coalition of Ohio Regional Districts. PEP is the oldest public entity pool in Ohio, with more than 600 members.

PEP was formed as a local government risk-sharing pool to provide risk management services, risk sharing  facilities and protection for every Member of the Pool. PEP is a governmental risk-sharing pool that provides a viable alternative to traditional insurance, and is committed to these goals.