Public entity insurance is a type of insurance that provides coverage for public entities, such as cities, counties, utilities, transit authorities, and schools, against various types of risks. Public entity insurance policies are designed to address the unique exposures of public entities and provide comprehensive coverage to address the exposures created by the day-to-day operations of a public entity. Public entity insurance policies can include coverage for public entity management liability claims (PEML), employment practices liability claims (EPL), accident and health, commercial auto, data and cyber security, environmental liability, excess casualty, fidelity and crime, general liability, and sewer backup and limited pollution coverage.
Public entity management liability insurance provides coverage for a loss caused by a wrongful act committed while conducting duties by or on behalf of a public entity. Many insurers offer a blended insurance product for both PEML and EPL claims with one single policy limit. EPL claims tend to have frequency along with severity and can quickly erode the limits of coverage. At Travelers, they offer stand-alone public entity management liability coverage so payment of employment-related claims will not erode the limits available for public entity management liability claims.
Public entity insurance policies can be tailored to meet the unique situations that public entities face. With a long history of service to public entities and a team of dedicated professionals in underwriting, risk control, and claim management, Travelers develops balanced solutions to meet the unique situations that public entities face. Amwins expertise extends across municipalities, transit districts, educational institutions, and other specialty agencies at the county, city, and state levels. Higginbotham provides cost-effective coverage, comprehensive risk management, bold advocacy, and genuine accountability to public entities.
In summary, public entity insurance is a type of insurance that provides coverage for public entities against various types of risks. Public entity insurance policies are designed to address the unique exposures of public entities and provide comprehensive coverage to address the exposures created by the day-to-day operations of a public entity.
