About American Public Risk
American Public Risk (APR) was formed as a managing underwriter in 2012 dedicated to helping our network of producers assist local governments in managing their unique spectrum of risk.
American Public Risk is proud to launch MuniPak®, a first-dollar package for cities, town, counties and special service districts serving populations as large as 100,000.
American Public Risk understands the unique property and liability insurance needs of these governmental entities. Our team's extensive experience in this business means that we've underwritten their diverse exposures time and again. We know that all public entities are not created equal and different circumstances require customized answers. We understand that underwriting profitability supports our commitment to our clients and is the catalyst for increased service and value. We combine unique solutions, superb service and financial security with broad form coverage .
American Public Risk partners with independent agents and brokers who specialize in governmental entities and know the communities they serve. Together we deliver solutions, knowledgeable loss control and responsive service.
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Our Team
Marty Kanipe, President, CPCU and ASLI
After earning his B.A.’s in American Government and Foreign Affairs and Economics from the University of Virginia in 1981, Mr. Kanipe got his start working for Aetna C&S Casualty Underwriting before moving to the Wholesale Brokerage Division of Markel in underwriting/ brokerage and marketing roles. He later took that 30 years of experience into ownership when he started Atlantic Specialty Lines and Professional Governmental Underwriters, a full service management company to assist local governments, educational and nonprofit entities with their professional liability exposures. He currently holds the CPCU and ASLI professional designations, andis currently enrolled in the ARM curriculum. Marty is the past president of the Greater Richmond Chapter of the Society of CPCU.Tom Ramsbacher, Sr. Vice President
Mr. Ramsbacher has over 30 years of experience in the insurance industry with 24 years of focus in the public entity sector. Mr. Ramsbacher was an Underwriter with Marinco (San Antonio, TX) from 1985 to 1987, held Vice President of Risk Management and Vice President of Marketing and Sales roles at Titan Indemnity Company (San Antonio, TX) from 1987 to 1994, was Vice President of Public Entity Programs and President of Charter House Underwriters (USF+G subsidiary) for USF+G (Baltimore, MD) from 1994 to 1998. Vice President and Elected Officer of Nationwide’s Titan Holdings Inc. (San Antonio, TX) from 1999 to 2004, created Stone Oak Underwriters with Joe Cantu in 2005 and formed American Public Risk, LLC with Marty Kanipe and Joe Cantu in 2016.Joe Cantu, Sr. Vice President, Underwriting
Mr. Cantu has over 30 years of experience in the insurance industry with 28 years of focus in the public entity sector. Mr. Cantu held the roles of Underwriter and Underwriting Manager with Marinco (San Antonio, TX) from 1985 to 1987, held Vice President of Underwriting and Vice President of Product Development and Regulatory Compliance roles at Titan Indemnity Company (San Antonio, TX) from 1987 to 1998, consulted on Underwriting and Information Systems issues with Go Pro Underwriting Managers (an AON Insurance Services Company – Richmond, VA) from 1998 to 1999 and was Chief Operating Officer of Trident Insurance Services (an Argonaut Insurance Group company – San Antonio, TX) from 1999 to 2004, created Stone Oak Underwriters with Tom Ramsbacher in 2005 and formed American Public Risk, LLC with Marty Kanipe and Tom Ramsbacher in 2016.Anisa Crosby, Underwriting
Mrs. Crosby serves as American Public Risk’s Underwriting Associate, and has over 20 years experience in the insurance industry with underwriting, rating and marketing skills in the Public Entity sector. Over the past 14 years, Anisa’s experience has been in underwriting a variety of risks and exposures with the primary focus being special districts and first dollar municipal accounts including workers compensation.Kristin Rainey, Underwriting
Mrs. Rainey serves as an Underwriting Assistant for American Public Risk. Kristin began her insurance career over 6 years ago with our sister company, Professional Governmental Underwriters, before coming onboard with American Public Risk in 2020. Kristin has held various roles within American Public Risk including Policy Services, Endorsement procedures, and assisting in our Claims department. In 2022, Kristin began to support our Underwriting team and now serves our team as an Underwriting Assistant.Products
MuniPak® is a comprehensive suite of customized property and casualty insurance coverages for public entities. Please take your time and look over these coverage details and contact us with any questions as we will be happy to answer them for you.
Claims Support Clients Can Count On.
Claims
APR is here to help our customers at the moments that matter most – and unfortunately these moments frequently involve claims. The goal of our entire insurance services office is to provide services not just through the point of sale, but during the policy term as well. This is what differentiates us from our competition and strengthens the bond with our customers. If you do have a claim please send first notice of loss to claims@americanpublicrisk.com
Applications
At American Public Risk we want to provide our customers with the tools and resources necessary to help make the MuniPak® application process as easy as possible. We also are looking to help your municipality become a safer place to live and work. Get started now.
To request a Quotation:
- Complete the MuniPak® Application.
- Complete the MuniPak® Excel Workbook.
- Secure 5 years currently valued Loss Runs.
- Submit Current Budget.
Contact Us
Have any questions? Email Us.
Marty Kanipe
mkanipe@pgui.com
Tom Ramsbachertramsbacher@americanpublicrisk.com
Joe Cantujcantu@americanpublicrisk.com
Anisa Crosbyacrosby@americanpublicrisk.com
Kristin Raineykrainey@americanpublicrisk.com
Or call Us.
Marty Kanipe
804-272-2655
Tom Ramsbacher210-807-6329
Joe Cantu210-807-6328
Anisa Crosby804-272-5963
Kristin Rainey804-767-6064
General Contact Info
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