Insurance Program Administration Dedicated to the Public Sector

We deliver innovative solutions, enhanced services, and operate with a strong commitment to integrity and transparency.

Our services

Public Risk Underwriters (PRU) of Florida, Inc. specializes in the administration of public entity risk pools. We provide a full spectrum of services, including underwriting, loss control, marketing, accounting, excess insurance placements and claims oversight. PRU of FL joined Brown & Brown, Inc. in 2000. Brown & Brown is a leading insurance brokerage firm, delivering risk management solutions to individuals and businesses since 1939. With over 12,000 teammates in more than 350 locations across the U.S. and select global markets, we are committed to providing innovative strategies to help protect what our customers value most. More information on Brown & Brown may be found at

Public Risk Underwriters (PRU) Executive Team

Jennifer Martin, Executive Vice President

Jennifer is responsible for the overall operation of PRU and ensures its duties and obligations to Preferred and its members are met. Jennifer possesses a Bachelor of Science degree in accounting & finance.

  • 14 years of insurance industry experience
  • 12 years of public entity focus
  • AAI
  • 220 license

Kevin Meehan, Senior Vice President – Director of Trust Services

Kevin is responsible for overseeing the development, planning and management of Preferred’s outreach and service initiatives for members, prospective members, and agents. He helps develop and improve educational training programs, member service platforms, and member safety incentive programs.

  • 20 years Public Entity experience
  • 220 license 

Sarah Fugate, Director of Operations

Sarah oversees the Underwriting and IT Departments and is responsible for operations and procedures throughout the office. She also facilitates excess insurance placements, actuarial assessments, and data reporting. Sarah possesses a Bachelor of Science degree in mathematics from Westminster College.

  • 7 years of insurance industry experience
  • 4 years of public entity focus
  • 220 license & Surplus Lines License

Kurt Heyman, Vice President – Marketing 

Kurt is responsible for initiating and successfully implementing PRU’s marketing plans and strategies. He handles agency relationships, develops marketing strategies, monitors prospect and quote activity as well as making himself available as an invaluable resource to our agent partners for technical expertise and assisting agents in presenting the Preferred program to public entities throughout Florida. Kurt possesses a Bachelor of Science and MBA in financial and marketing management from Rollins College.  

  • 37 years of public entity experience
  • 220 License

Margaret E. Gross, CPCU, Director of Underwriting

Margaret is responsible for coordinating all lines of underwriting for the Preferred Governmental Insurance Trust program. She leads a team of eight underwriting professionals who handle the daily customer service requirements. Margaret has served on the Board of Directors for the Central Florida Chapter of CPCU for several years and served as its past president.

  • 31 years of insurance industry experience
  • 27 years of public entity focus
  • CPCU
  • 220 License & Surplus Lines License

Jeremy, Business Development Specialist

Jeremy is responsible for digital marketing strategies and agent relations. He facilitates the production of online and in-person communication between agents and members. Jeremy also handles the production of marketing materials that advise agents of the happens at Preferred and advise members of the valuable services available to them as members. Jeremy has a Bachelor of Arts degree from the University of Central Florida.

  • 7 years of insurance experience
  • 220 License

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