Public Entity Insurance

Protect your community with an insurance program designed specifically for public entities. Ensuring the stability and security of your local or state government.

Public entities—whether local or state governments, municipalities, or public schools—have unique needs when it comes to insurance. With an insurance program designed for your unique needs, you can ensure your organization is properly covered against the risks that affect public services, employees, and the community. Whether you’re responsible for public infrastructure, safety, or education, having the right insurance allows you to fulfill your mission without the worry of unforeseen events.

What does public entity insurance cover?

Programs designed specifically for public entities are tailored to protect government organizations and their operations. It typically covers liability risks, property damage, and public service interruptions. It also includes coverage for the special concerns of public sector operations. From employee safety to handling claims involving the public, public entity insurance programs can help safeguard your financial stability and the well-being of your employees and citizens.

Most common coverage options for public entities.

Public entities face unique exposures that need specialized coverage. Here are some of the most common options that may be included in a public entity insurance program:

The gaps that public entity insurance fills in.

Standard policies often don’t provide the specific protection needed for public entities. Coverage gaps may include protection for public officials’ decisions, claims of employee misconduct, or coverage for government vehicles. In addition, public entities may need tailored policies to account for unique risks such as environmental hazards, natural disasters, or cybersecurity concerns.

Coverage for the unexpected.

Public entities face a range of unexpected challenges, from civil claims to the costs of rebuilding infrastructure after a disaster. Public entity insurance programs help ensure that your organization is prepared for these events, helping you maintain operations and continue serving the community. With proper coverage, you can focus on providing essential services while managing risks effectively.

Are you ready to protect your public entity with comprehensive insurance coverage?

Contact us today to discuss your public entity’s specific needs and risks. We’ll work with you to create a program that ensures your organization is protected, so you can continue to serve your community, and state, with confidence.