Most people have difficulty in understanding all of the provisions of their own auto or homeowners insurance policy to concern themselves with the legal jargon and monster policy that their municipality has to carry. Never the less, someone does need to know and understand these complex and legal documents that could mean the difference sometimes between your City and/or Town remaining solvent or falling into financial ruin. Think about it however, who (within the municipality administrative support team) do you suppose is savvy enough to choose the carrier for municipal insurance New York?