Public entity: products

Property & Inland Marine – large capacity, Public Entity special extensions.

Builder’s Risk – competitive and responsive quotes for when your entities have building projects.

Boiler & Machinery – integrated with property policy.

Crime – high limits available.  Faithful performance coverage available.

DIC – Flood & Earthquake available in certain areas.

General Liability – full policy limits on sewer backup liability and failure to supply. Dam and skateboard park exposures eligible. Amended GL policy specific to Public Entities. First dollar up to $25,000 deductible.

Automobile – Composite Rated

Public Officials E&O – Employment Practices included.  Back Wages and Non-monetary defense options. Full prior acts. Claims-made form.  Minimum premium is $2,500 and minimum deductible is $1,000.

Police Professional – Occurrence form. Minimum premium is $2,500 and minimum deductible is $1,000.

Umbrella – Available both including and excluding professional lines.  Minimum premium is $2,000.

Workers Compensation – Available for all public entity classes except when the police and fire payroll is over 25% of the total. Pennsylvania Only

Cyber Liability – Coverage for network security liability, public relation expense, security breach expense and more.

ALTERNATIVE RISK

Eligible Classes:

Public entity risks, including but not limited to:

  • Municipalities
  • Counties
  • Large special service districts and authorities

Minimum Premiums

$100,000 for all-lines or casualty-only primary packages.

Minimum Retentions/Deductibles

$25,000 – property/casualty lines.