Insurance for Public Entities

Public Entity Insurance protects governments and their agencies from financial harm when accidents happen.

Public entities, including municipalities, state and federal governments and their agencies, have unique risks that differ from the types of risks found in the private sector. These risks make it imperative to properly insure public entities. Protect clients with coverage designed to meet their unique needs. 

town hall meeting

Who Needs Public Entity Insurance?

The following types of businesses should consider Public Entity Insurance: 

  • Cities
  • Counties
  • Independent Schools
  • Libraries
  • Municipalities
  • Parks & Recreation Departments
  • Police Departments
  • State Governments
  • Utilities
  • Waste Management
city hall building

What Does Public Entity Insurance Cover?

Clients in these sectors should consider additional coverage beyond basic policies including, but not limited to:

  • General Liability: Covers property damage and bodily injury from third party claimants.
  • Worker's Compensation: Protects employees if they become sick or injured in an accident on the job. This will pay for medical costs and lost wages.
  • Professional liability: Covers public entities in the event a third party takes legal action against them, alleging they provided advice or recommendations that resulted in a loss. 
  • Commercial Auto: Covers work-related vehicles in the case of an accident or damage
  • Cybersecurity & Privacy: Protects entity in the case of a data breach. 
  • Excess/Umbrella: Extra protection beyond typical coverage.