Your organization deserves a partner that understands the balance between cost control and quality care. These FAQs answer common questions and show how we can help you succeed.
Foundation Risk Partners Public Risk Practice is a specialty national division serving Cities, Counties, School Districts, Special Taxing Districts & Authorities. We provide property & casualty, employee benefits, and risk management services to more than 150 public entity clients nationwide.
Yes. Acentria Public Risk in Florida and Fairview Insurance in New Jersey are both part of Foundation Risk Partners. They now operate together as one national practice, the FRP Public Risk Practice. Your service team and contacts stay the same.
No. FRP is licensed in all 50 states, and the practice serves public entities in both the Southeast and the Northeast, as well as across the country. Clients in each region can draw on the same national team and resources.
Yes. FRP does not own wholesalers, MGAs (with the exception of the disclosed Fairview delegated-authority platform), TPAs, or placement intermediaries that could compromise our recommendations to a public entity client.
We serve a wide range of public entities, including municipalities, counties, school districts, public authorities and other government and public sector organizations. Our team understands the unique risks, budget pressures and operational challenges facing public entities and provides insurance and risk management solutions tailored to their specific needs.
Radical transparency is FRP's operating principle for Employee Benefits engagements. FRP brings full visibility into procurement, data, vendor relationships, call utilization, pharmacy contracts, provider network fees, and broker compensation. As Jonathan Jallad wrote in eSchool News: "Transparency is more than a buzzword. It's a path to fiscal responsibility, employee trust, and strategic clarity."
Yes. FRP Intelligence is our governed AI layer. It speeds up work such as bid tracking, reporting, and renewal preparation. A licensed FRP professional reviews every client deliverable, and client data is never used to train third-party AI models.
Start with accurate data. Outdated building values, construction types, and mitigation details inflate catastrophe models and premiums. FRP's OneSOV™ platform validates and updates that data so the market sees the most accurate picture of your risk.
An SOV is the master list of every insured building and its values, construction, and features. Underwriters and catastrophe models rely on it, so errors in the SOV lead directly to higher premiums.
OneSOV™ is FRP's proprietary platform for validating property data on public entity property & casualty programs. It standardizes, verifies and enriches your Statement of Values, including building values, construction, occupancy, geolocation and catastrophe exposures. The result is underwriting-ready data that supports stronger submissions, better pricing and defensible coverage.
Total Cost of Risk is everything a public entity spends on risk. It includes premiums, deductibles, retained losses, claims and administrative costs, and the cost of exposures that aren't insured. Premium is only part of the total.
Yes. Our in-house claims team advocates for clients on complex losses and supports disaster recovery documentation. When a major loss hits, we stay with you through the claim and the recovery. Our in-house claims team, led by an attorney, advocates for you on complex property, liability and catastrophe claims. The team helps you document losses, deal with adjusters and carriers, and resolve coverage disputes. The claims team also supports FEMA public assistance recovery, so you can recover every eligible dollar and keep your documentation defensible.
In Florida, Russ Frakes, leads client services and spent 17 years as Risk Manager for a Florida school district with more than $1 billion in insured property. We know recovery from the public entity's side of the table.
Yes. Our in-house loss control program is led by Nino Gallini, ARM, a former industrial engineer and certified OSHA Construction Trainer. We build a Loss Control Action Plan for each client, covering on-site assessments, claims trend analysis, and safety training, and we coordinate with your carrier or pool.
Through transparent procurement, competitive bidding, pharmacy contract review, claims data analysis, and a funding strategy that fits your risk tolerance, whether fully insured, level-funded, or self-funded. Strategic plan design, employee education and health care transparency tools.
The most successful public employers focus on year-round plan management, leveraging data, wellness initiatives, and cost-containment strategies to improve health outcomes while controlling long-term healthcare spending.
The Florida Educator Health Trust (FLEHT) is a non-profit health insurance trust sponsored by the Florida Association of District School Superintendents (FADSS). It gives participating Florida school districts pooled purchasing power and transparency. For more information, pleases see https://fleht.org/
FRP serves as Contract Effectuator for FLEHT member districts. That role covers administration, contract management, member support, open enrollment, and wellness program services. Plan design for medical, stop loss, and pharmacy is governed by FLEHT, not by FRP. For more information, please contact Jonathan Jallad or contact us page.
BenefitsVIP® is FRP's employee benefits advocacy team, not a call center. Experienced advocates help employees and their families resolve claims, coverage, billing, enrollment, and ID card issues, so those questions don't land on your HR team. Advocates are available Monday through Friday, 8:30 a.m. to 8:00 p.m. EST, by phone or email. Advocates are W2 employees of FRP, average 22 years of experience and resolve 91% of issues on the first call. Every case is tracked and reported back to you through Pareto analysis and peer benchmarking, so you can see what's driving employee questions and fix root causes.
Contact an advisor through this site. A practice leader will follow up within one business day.
Whether you’re managing a municipality, school district, utility authority, or healthcare organization, our public sector specialists are ready to help you navigate risk, control costs, and strengthen your coverage strategy.
David Lodwick has more than 30 years of commercial insurance experience and has seen public entity risk from almost every side. He served 17 years as Mayor of Royal Palm Beach and five years as Chairman of the Florida Municipal Insurance Trust board. As Director of Trust Services at the Florida League of Cities, he supported excess placement and negotiation for a $100M-premium insurance program and supervised claim services. He also directed disaster recovery symposiums for members.
David is an expert in pooled insurance structures, FL Sunshine Law, and the Stafford Act. He holds a B.S. in Chemical Engineering from The Ohio State University and is a member of PRIMA.
Julie Calvitt leads FRP’s FLEHT Contract Effectuation service team. She has 20+ years of experience serving public entity clients ranging from 500 to more than 18,000 employees. Before joining FRP in 2025, she spent more than a decade as a Senior Client Manager at Arthur J. Gallagher. She holds a B.S. in Business Administration from the University of Florida.
Julie serves on the boards of Palms Medical Group and the Suwannee Education Foundation.
Corey McMeeking brings nearly two decades of employee benefits experience to FRP Public Risk. Beginning his insurance career in 2008 as an Account Executive with a top national insurance brokerage, he was promoted in less than two years to lead a Select Benefits division specializing in nonprofit clients. Today, as a Benefits EVP in the Southeast region, Corey brings deep expertise in large-group benefits, complementing the property and casualty, risk management and claims capabilities of FRP Public Risk.
John Dailey brings specialized public risk leadership to FRP as Managing Director within the Public Risk practice. FRP’s internal records identify John as a primary member of the Public Risk team and place him in Tallahassee, Florida. In his leadership role, John helps bring together the specialized insurance resources and expertise serving public-sector clients through FRP Public Risk.
James Carl brings over 20 years of insurance industry experience specializing in insurance and risk management strategies for public entities. He works with municipalities, counties, authorities, and special districts to develop customized property and casualty, captive, and alternative risk financing programs. Leveraging expertise in coverage analysis, claims advocacy, and insurance market strategy, James helps public-sector clients make informed risk management decisions while delivering transparency, accountability, and long-term value.
Alexander Best, CPCU, AIAF, ARe, ARM, AU, AINS, AIS, TRA, brings more than 20 years of property and casualty experience to FRP Public Risk, including leadership roles across insurance carriers, underwriting, specialty programs, and program management. Alex brought that experience to Fairview, where he has helped strengthen and expand the organization’s property and casualty and program capabilities. Today, his technical expertise and broad market perspective support the development of insurance and risk solutions designed to meet the complex needs of public-sector organizations nationwide.
Danielle Voda, CPCU, CIC, brings deep public-sector property and casualty knowledge to FRP Public Risk. Having built her career at Fairview, Danielle has worked closely with municipalities, school districts, and other public entities, developing a strong understanding of their insurance and risk management needs. Her CPCU and CIC professional designations complement her experience in client service, operational leadership, and business development. Today, she focuses on building strong partnerships, developing new opportunities, and expanding FRP’s Public Risk presence nationwide.
Michael Graham serves as Location President of Fairview, a Foundation Risk Partners agency. A former attorney, Michael brings a legal and regulatory perspective to his leadership in insurance, employee benefits, and client advisory services. He joined Fairview, the agency founded by his father, and has carried forward its longstanding commitment to serving public-sector organizations. Today, he provides executive leadership while helping advance FRP’s Public Risk capabilities nationwide.
Ryan Graham leads FRP Public Risk, bringing deep expertise in employee benefits and cost-saving solutions for public-sector organizations. Having built his insurance career at Fairview, Ryan combines decades of experience with a longstanding commitment to serving public entities and a strong understanding of the financial and operational challenges they face. In 2024, Ryan was recognized by Foundation Risk Partners as its Cross Collaborator of the Year, reflecting the collaborative approach he brings to working across the organization. Today, he leads the continued development of FRP Public Risk, bringing together the firm’s property and casualty and employee benefits capabilities to deliver the breadth of FRP’s resources to public entities nationwide.
Robin Riley has more than 23 years of insurance industry experience working with Florida public sector health and welfare programs. With over seven years at Foundation Risk Partners, she has been instrumental in growing the firm’s Public Risk Practice. Robin provides expertise in benefit strategy, funding arrangements, carrier relations, compliance, Florida public-sector regulations, and procurement processes, including instructing the development and evaluation of RFPs.
Jonathan Jallad serves as President of FRP Public Risk Southeast at Foundation Risk Partners (FRP), leading a national team focused on insurance, employee benefits, risk management, claims advocacy and consulting services for public sector organizations, including municipalities, counties, school districts, special districts and healthcare entities. He assumed the role in January 2026 after serving as Vice President and Sales Leader for Acentria Public Risk.
With more than 15 years of experience in the insurance industry, Jonathan previously owned and operated his own agency, where he specialized in developing insurance and risk management solutions for governmental entities throughout Florida. His expertise includes public sector risk financing, employee benefits, property and casualty insurance, and strategic consulting for public organizations. He is recognized for helping public entities navigate complex insurance challenges while protecting public resources and supporting community resilience.
Specialized insurance, employee benefits, risk management, and consulting solutions for public authorities and special districts, including housing, transportation, bridge, port, and special tax districts.
Specialized insurance, employee benefits, risk management, and consulting solutions for public hospitals, healthcare systems, and healthcare authorities.
From water and wastewater systems to regional utilities and public service districts, we deliver tailored insurance and risk management solutions.
Integrated risk, benefits, claims & compliance solutions for K-12 & higher education institutions.
Helping local, county, and state government entities navigate risk, control costs, and support the employees and communities they serve.