Public Entities Insurance Tailored to Minimize Risk

Government agencies, municipalities, and other public organizations face a unique set of risks and challenges, and specialized public entities insurance coverage helps to address those risks.
Whether your organization is a municipality, county government, school district, or other public entity, policies can be customized to meet your unique needs.

Public Entities Insurance Solutions

Public entities insurance solutions include liability coverage to protect your organization from claims of bodily injury, property damage, and other liabilities arising from your operations. In addition, property insurance can safeguard facilities, equipment, and other assets against risks such as fire, theft, and natural disasters.

Other insurance policies for public entities include:

Workers’ Compensation

Protecting your employees is essential. Workers’ compensation insurance coverage can provide financial protection for your employees in the event of work-related injuries or illnesses. Workers’ comp policies can cover medical expenses, lost wages, and rehabilitation costs, ensuring that your employees receive the care and support they need while protecting your organization from potential liabilities.

Law Enforcement Liability Insurance

Law enforcement agencies face unique risks and liabilities in their roles. Law enforcement liability insurance coverage is tailored specifically for police departments, sheriff’s offices, and other law enforcement agencies. Liability policies can protect your agency from claims of excessive force, false arrest, wrongful detention, and other law enforcement-related liabilities.

Public Officials’ Liability Coverage

Public officials and elected representatives are often exposed to personal liability for decisions made in the course of their official duties. Public officials’ liability coverage provides financial protection for elected officials, board members, and other public servants against claims of negligence, errors, or omissions. These liability policies can help safeguard your organization’s leadership team against potential legal risks.

Employment Practices Liability Insurance for Public Entities

Employment practices liability (EPL) claims such as discrimination, harassment, or wrongful termination can have serious financial and reputational consequences for public entities. Employment practices liability insurance coverage tailored specifically for government agencies can provide financial protection for your organization in the event of EPL claims, ensuring that you’re prepared to defend against potential liabilities.

Cyber Insurance

In today’s digital age, cyber threats are a constant concern for government agencies and public organizations. Cyber insurance coverage can help protect your organization from the financial impact of cyber incidents such as data breaches, ransomware attacks, and other cyber threats. Cyber insurance policies can cover expenses including forensic investigations, legal fees, and notification costs, as well as liability protection for damages and regulatory fines.

Emergency Response Insurance

Municipalities and local governments play a crucial role in emergency response and disaster recovery efforts. Emergency response insurance coverage provides financial protection for your organization in the event of natural disasters, civil unrest, or other emergencies. Policies can cover expenses such as cleanup costs, emergency services, and infrastructure repairs, ensuring that your municipality or organization can respond effectively to crises while minimizing financial losses.

Talk to a RIG Risk Advisor Today