Hudson Public Risk specializes exclusively in municipalities, authorities, and governmental
operations. Offering unmatched technical expertise, senior-level continuity, and a modern support
infrastructure designed for long-term public-sector stability.
A streamlined journey for cities, counties, school districts, public utilities, and public agencies.
Large brokers talk about resources, Hudson Public Risk delivers them directly to the people who need them.
Our Public Risk practice is led by senior executives with decades of experience spanning public-entity risk, insurance program design, and business operations. This depth of leadership ensures sound governance, disciplined risk architecture, and insurance strategies built specifically for the complexities of public entities.
Our service model is intentionally built around people and process, expanding in depth as service needs increase. A fully dedicated team exclusively focused on public entity and public risk insurance programs ensures consistent execution, accountability, and continuity at every level of support.
We deploy proprietary risk management technology and custom-built programs tailored to your specific operational and compliance requirements. Clients benefit from 24/7 policy document access, and integrated claims management systems designed to streamline reporting, tracking, and resolution.
We provide industry-competitive pricing without sacrificing coverage quality or program stability. Long-standing underwriting relationships and direct carrier access enable us to negotiate favorable outcomes that balance cost efficiency with long-term risk sustainability.
Strategic Leadership guides municipalities through long term planning, three year cost containment strategies, and the development of stable insurance programs.
Accurate processing, contract review, audits, and claims support all engineered for municipal operations.
We implement safety committees, provide onsite support, and work directly with leadership during critical events.
Your dedicated advisory team consists of senior-level, dedicated experts. No turn-over, no hand-offs, and no loss of institutional knowledge.
For nearly two decades, I’ve had the privilege of working alongside the cities, counties, school districts, and public utilities that keep our communities strong. What has always mattered most to me is the relationship — taking the time to truly understand your challenges and being a partner you can rely on.
At Hudson Public Risk, we build insurance programs the same way we build trust: through clear communication, responsiveness, and solutions that fit the way your organization operates. With the support of a strong carrier network, we help you protect your property, manage liability, and take care of your employees through thoughtful workers’ compensation planning.
Thank you for the work you do every day. It’s an honor to support the people who serve our communities.
For nearly two decades, I’ve had the privilege of working alongside the cities, counties, school districts, and public utilities that keep our communities strong. What has always mattered most to me is the relationship — taking the time to truly understand your challenges and being a partner you can rely on.
At T. Hudson Risk Advisors, we build insurance programs the same way we build trust: through clear communication, responsiveness, and solutions that fit the way your organization operates. With the support of a strong carrier network, we help you protect your property, manage liability, and take care of your employees through thoughtful workers’ compensation planning.
Thank you for the work you do every day. It’s an honor to support the people who serve our communities.
Covers liability, physical damage, and statutory compliance requirements for public fleet operations including law enforcement, fire, EMS, sanitation, public works, and school transportation.
Ensures compliance with data privacy, breach reporting, and citizen-notification requirements. Protects critical systems from ransomware, breaches, and cyber extortion events.
Maintains compliance with federal civil rights statutes and Georgia legal standards related to force, arrest procedures, and detainee handling.
Provides foundational compliance protection for government facilities, infrastructure, public premises, and operations. Supports statutory risk-transfer obligations.
Supports compliance with governance, administrative conduct, ethics standards, and transparency laws. Protects boards, councils, and executive leadership.
Covers compliance exposures for employment actions, student rights, educational due process, and administrative decision-making.
Meets Georgia statutory requirements for employee injury benefits, wage replacement, and medical compensation with no deductible.
Provides mandated cancer and PTSD benefits for Georgia firefighters and first responders, ensuring statutory compliance and essential protective support.
Supports financial compliance, procurement integrity, and statutory bonding requirements for public fiduciaries and contractors.
Addresses EPA, Georgia EPD, and regulatory mandates associated with spills, pollutants, and environmental impacts.
Provides additional limits to ensure compliance with contractual indemnification and intergovernmental agreements.
Strengthens budget protection and meets insurer-required property valuation and replacement-cost standards.
Recommended for compliance with self-insurance or high-retention structures to protect against catastrophic injury losses.
Ensures compliance with pursuit protocols, high-speed chase standards, and liability arising from third-party injury claims.
Supports compliance with the Georgia Open Records Act and statutory retention schedules.
Assures compliance with OSHA, risk mitigation standards, emergency response protocols, and workplace hazard controls.
Supports compliance for major construction and renovation projects, ensuring proper coverage for municipal and educational builds.
Provides protection aligning with fiduciary responsibility requirements and financial controls.
Improves departmental oversight, compliance documentation, and HR defensibility.
Ensures uniform compliance with employee discipline processes and documentation standards.
Supports cybersecurity compliance, acceptable-use standards, and digital communication governance.
Creates compliance-aligned evaluation and development structures for defensible HR actions.
Strengthens compliance in areas of discrimination, harassment, wrongful termination, and retaliation claims.
Addresses compliance with emergency medical protocols, rendering aid, and standards of care.
Ensures compliance for safeguarding movable assets, tools, radios, and emergency response equipment.
Provides foundational HR compliance, workplace rules, required behavior standards, and administrative protocol.
Supports DOT, ADA, and transportation compliance for public transit and paratransit services.
Addresses compliance with service obligations, environmental discharge standards, and utility operations liability.
Ensures procurement transparency, financial control compliance, and audit defensibility.
Hudson Public Risk provides municipalities with a team structure unmatched in continuity, specialization, and operational capability. Every client receives direct access to senior leadership, a public-entity specialist, a dedicated service director, experienced analysts, and a full operational support unit.
Elizabeth@HudsonPublicRisk.com
This team assists leadership by managing certificates and contract documentation, claims assistance, renewal data entry, audit preparation, compliance workflows, and high-volume document processing. Their precision and reliability ensure that all municipal requirements are handled accurately and on time.
Hudson Public Risk provides municipalities with a team structure unmatched in continuity, specialization, and operational capability. Every client receives direct access to senior leadership, a public-entity specialist, a dedicated service director, experienced analysts, and a full operational support unit.
This is the model large brokers cannot replicate.
Georgia’s most experienced public-entity risk manager. Leads risk management strategy, safety committee development, crisis guidance, and long-term stewardship
Elizabeth is directly involved in every Public Risk engagement—from initial risk assessment through multi-year planning. Her approach blends technical precision, market leverage, and a deep understanding of the public sector constraints to deliver stable, forward-looking programs for Georgia’s public institutions.
Widely regarded as Georgia’s most experienced public-entity risk manager, Elizabeth brings more than two decades of dedicated expertise serving municipalities, authorities, utilities, and public safety organizations. She oversees program design, statutory and regulatory compliance, safety committee development, loss-control strategy, and the implementation of operational protocols that reduce future exposure.
Elizabeth is known for her unmatched continuity, hands-on leadership, and ability to support municipal teams when it matters most. She is frequently on-site during critical events, guiding leadership through complex claims and building long-term relationships across departments and public safety agencies. Her calm, informed presence provides stability during high-pressure moments, and her deep institutional knowledge delivers value far beyond what large national brokers typically provide.
Elizabeth holds the Associate in Risk Management (ARM) and Associate in Insurance Services (AIS) designations, reflecting her commitment to advanced technical proficiency and professional excellence in the public-entity space. She provides ongoing continuity unmatched by large national brokers.
Elizabeth is well-known for:
• Being onsite during critical events
• Guiding municipal leaders through complex claims
• Building long-term departmental relationships
• Implementing protocols that reduce future exposure
With a career built around executive-level advisory work, Todd remains directly involved in every Public Risk engagement—from initial risk assessment through multi-year planning. His approach blends technical precision, market leverage, and a deep understanding of public-sector constraints to deliver stable, forward-looking programs for Georgia’s public institutions. Across all accounts, Todd’s role is to safeguard each municipality’s financial position, secure superior terms, and ensure clients receive the highest level of strategic involvement and executive oversight.
Todd holds a Bachelor of Science in Business and Environmental Economics from Rutgers University, a foundation that strengthens his analytical approach to municipal finance, environmental exposure, and long-term risk sustainability.
Christina supports the Public Risk division with specialized expertise in municipal operations and aviation-related risks. She manages policy documentation, coordinates renewals, assists with claims activity, and ensures that municipal workflows run smoothly in partnership with Carla and Elizabeth.
A seasoned public-entity professional, Christina brings deep knowledge of aviation, municipal operations, and specialty exposures. She supports program administration, cyclical renewals, and ongoing compliance requirements for public-entity clients statewide, ensuring accuracy, clarity, and seamless execution throughout the policy lifecycle.
Christina holds a Business Management degree from the University of West Georgia, which strengthens her operational discipline, administrative leadership, and the ability to support complex municipal programs with precision and dependability.
Carla oversees client interaction, technology adoption, document workflows, and overall service execution for the Public Risk division. With more than a decade of commercial insurance experience and deep expertise in agency systems, she ensures organized, accurate, and responsive support for every municipal client.
Carla manages all InsurLink functions, coordinates internal processes, and serves as the direct operational liaison to the Practice Leader—bringing structure, clarity, and consistency to every engagement. She ensures that each component of the municipal service experience is delivered with precision and speed by overseeing internal workflows, service standards, document management, and communication protocols with city staff.
Her strengths include highly organized workflow design, fast and accurate service execution, cross-department problem-solving, and clear, professional communication. Carla’s leadership ensures that municipalities receive seamless service and that the division’s operational standards are executed at the highest level.
Carla reports directly to the CEO to ensure alignment, accountability, and continuous improvement across the Public Risk service platform.
Jack leads Hudson’s Transportation Division and reinforces the agency’s broader organizational depth and cross- vertical strength. While not involved in daily Public Risk servicing, his leadership contributes to the agency’s overall market leverage, operational stability, and multi-practice expertise.
With years of specialized experience and deep carrier relationships in the transportation sector, Jack represents the scale, diversification, and technical capability that underpin all of Hudson’s verticals—including Public Risk. His presence demonstrates the firm’s ability to operate at a high level across complex industries, strengthening the
confidence of municipalities and public institutions served by the division.
Trish brings more than 20 years of commercial insurance experience across private, public, and municipal sectors. She holds a Bachelor of Science degree from the University of South Carolina and is recognized for her technical accuracy, deep coverage knowledge, and exceptional operational execution.
Trish ensures that every certificate, contract requirement, policy change, and renewal document is correct, compliant, and complete. She performs detailed municipal coverage and contract analysis, identifying obligations, gaps, and special conditions while managing complex documentation with speed and precision.
In her role, Trish leads contract coverage analysis, renewal execution, and compliance review—providing municipalities with a structured, reliable, and highly responsive service experience. Her expertise ensures that public-entity clients receive accurate documentation, timely support, and confidence that every contractual and statutory requirement has been met.
