Public officials management liability insurance offers coverage similar to a directors & officers policy that is purchased for the  protection of executives in private corporations. However, the difference is that unlike a D&O policy, which usually only covers individuals, a public officials management liability policy covers both the officials and the public entity.

What does it cover?

A public officials management liability policy provides coverage for damages or defense costs from claims against elected or appointed officials, employees, and volunteers. Potential exposures can result from federal, state, and employment practice violations. These exposures include, but are not limited to:

• Alleged errors & omissions
• Misstatements & misleading statements
• Negligence or breach of duty

The most common of claims made against public officials is for wrongful acts in the performance of duties to a public entity. Despite governmental immunities or torts, public officials can be held liable for their actions while carrying out their duties. All decisions made by public officials, regarding business and building permits, zoning, employment practices and many seemingly unimportant everyday activities carry the potential of a catastrophic lawsuit.

What public entities are typically covered?

Public entities consisting of a variety of types of government bodies including local governments, special districts, housing authorities, and transit authorities need this coverage. Local governments include:

• Cities
• Towns
• Townships
• Boroughs
• Villages
• Counties

Special Districts or special/single-purpose government units can include:

• Water & sewer utilities
• Irrigation districts
• Hospital districts
• Fire & EMS districts
• Commissions and special boards
• Parks & recreation departments

Unique features of PGU’s product:

• Claims made coverage
• Duty to Defend / Pay on Behalf
• Consent to settle clause with 50% co-insurance
• Third Party EPL coverage
• Defense costs in addition to limits
• Bi-Lateral ERP for 1, 2 and 3 years
• Punitive Damages not excluded (where allowable by law)
• Wrongful acts definition includes civil rights violations
• Employment Practices coverage included
• Separate limits for Public Officials Wrongful Acts and
  Employment Practices Wrongful Acts
• Personal Injury coverage included
• Coverage available for back pay / front pay and defense
  of employment practices claims seeking non-monetary
  relief
• Non-cancelable by carrier except for non-payment of premium
• True worldwide coverage

To start writing business today give our underwriter’s a call!

• Ned Daly- 804.272.8060
• Grey Lester- 804.272-5964
• Dana Fawver- 804.272.7405
• Will Shumadine- 804.272.9210
• Peyton Judy- 804.727.4317