Public Officials Liability
Public Officials Liability (POL) Insurance provides a level of financial and legal protection for governmental entities and their officials against claims arising from wrongful acts committed in the course of their public duties.
This coverage is designed to help safeguard counties, municipalities, special service districts, and other governmental entities, along with their elected and appointed officials, employees, and volunteers, from the cost of defending and settling lawsuits.
Public Officials Liability Insurance typically responds to claims involving:
- Wrongful Acts: Acts, errors, omissions, misstatements and misleading statements, or neglect in duties
- Employment Practices: Dthe performance of officialiscrimination, harassment, wrongful termination, and failure to promote, hostile work environment and retaliation
- Third Party Liability: Harassment (including sexual harassment), discrimination, or invasion of privacy alleged against an Insured by your Business Invitee
- Civil Rights Violations: Violation of civil rights protected under 42 USC 1981 et seq, or any other similar federal, state or local law
- Financial Mismanagement: Improper handling of funds, budgets, or grants
- Land Use & Zoning Decisions: Claims involving zoning approvals, permit denials, or development disputes
- Breach of Duty or Negligence: Failure to properly supervise, protect public funds, or act in good faith
In today’s litigious climate - Public entities and their officials face increasing scrutiny and a growing number of lawsuits. Even when a claim is unfounded, legal defense costs can be substantial. Public Officials Liability Insurance seeks to provide the entity and its individuals with the financial and legal protection necessary to respond appropriately and efficiently – without draining public resources.
- A+ A.M. Best Rated Paper (Admitted – Greenwich Insurance Company / Non-Admitted – Indian Harbor Insurance Company)
- Admitted in GA, IL, KY, ME, MI, NJ, NC, OH, PA, TN & WI / Non-admitted in all other states
- Up to $5 million capacity on either primary or excess positions
- Minimum Premium(s): $1,500 (Public Officials Only) / $2,000 (Public Officials & EPL)
- Minimum Retention(s): $2,500 (Public Officials) / $5,000 (EPL)
- Will follow expiring retro date / pick up prior acts
Including but not limited to:
- Cities, Counties, Parishes, Boroughs, Towns, Townships & Villages
- Utility Authorities (Water, Sewer, Gas, Electric, Clean Water & Solid Waste Disposal)
- Airport, Transit, Port, Hospital & Parking Authorities
- Industrial Development and Special Tax Assessment Authorities, Community Renewal and Improvement Districts
- Land Reclamation
- Fire Protection Districts
- Public Libraries
- Convention, Stadium & Arena Authorities
- Alcohol Beverage Control Boards
Including but not limited to:
- D&O/E&O and EPL coverage form
- Defense in Addition to the Limit (unless otherwise endorsed)
- Sub-limits for Crisis Management and Defense for Non-Monetary Claims
- Modified Consent to Settle (soft hammer) Clause with only 40% co-insurance requirement for insured
- Business Invitee (Third Party) Liability covering Emotional Distress, Sexual Harassment, Discrimination, and other allegations
- Broad definition of Loss including Back and Front Pay and Punitive Damages with a most favorable venue up to policy limit
- Broad definition of Wrongful Act including Personal Injury
- Broad definition of Claim including coverage for regulatory proceedings, arbitration hearings and EEOC hearings (subject to exclusions)
- 75-day mini-tail included at no additional cost
- Bi-Lateral ERP Options of 1, 2 and 3 years
- 24/7 Toll-free and on-line access to Employer HELPLINE for employment law and HR Support
- Optional ancillary coverages available via endorsement for additional premium (Fiduciary, FLSA, and Violent Acts sublimits)
- Up to $5 million capacity available
- Ability to attach at any layer
- Same eligible classes as Primary
- True follow form policies
- Competitive Rates!