Public Entity Insurance Carriers: Protecting Communities and Assets

Public entity insurance carriers play a vital role in protecting communities and assets. They provide specialized insurance coverage to public entities such as cities, counties, and schools.

These carriers offer a range of insurance products, including liability, property, and workers' compensation insurance. They help public entities manage risk and financial uncertainty.

Public entity insurance carriers have a deep understanding of the unique risks and challenges faced by public entities. They work closely with their policyholders to develop tailored insurance solutions.

By partnering with public entity insurance carriers, communities can protect their assets and ensure the well-being of their citizens.

Berkley Public Entity offers a Premier Retained Limits Liability Policy, designed specifically for public entities. This policy provides coverage in excess of a self-insured retention.

Chubb's Primary Retained Limits Policy covers Automobile Liability, General Liability, and Public Officials and Employment Practices Liability. This policy is designed to provide coverage in excess of a self-insured retention.

Berkley Public Entity also offers a policy specifically for Scholastic Entities, addressing the unique risk characteristics of these types of insureds. This policy is designed to provide coverage in excess of a self-insured retention.

Chubb's Excess Follow Form Policy provides capacity for individual and group risks, with coverage triggers, defense costs, and aggregates applying in the same manner as the underlying coverage. This policy is designed to provide additional coverage for risks that exceed the limits of the underlying policy.

Berkley Public Entity has the ability to tailor coverage to follow the memorandum of coverage issued by a pool to their members. This allows for customized coverage that meets the specific needs of each client.

Chubb also offers reinsurance agreements for municipal pools or group entities, allowing for customized coverage that aligns with the Memorandum of Coverage issued by the pool to its members.

At Berkley, we understand the unique challenges public entities face, and we're here to help. Our insurance offerings are specifically designed to address the needs of counties, municipalities, school districts, and other public entities.

We provide a range of insurance products, including General Liability, Public Officials Professional, and Cyber coverage. Our claims professionals have the experience and knowledge necessary to assist public entities when claims occur.

We also offer risk management services to help mitigate losses and minimize risk. This includes Employment Law Consultation, Interactive School Safety Program, and Customized Risk Management Programs.

Here are some of the specific insurance products we offer to public entities:

Our risk management services are designed to be customized to meet the specific needs of each public entity.

Public entity insurance carriers offer a range of coverage options to protect against various risks.

General Liability coverage is one of the key protections provided by these carriers.

If you're a public official, you may be interested in Public Officials Liability coverage.

School districts can benefit from School Board Liability coverage.

Employee Benefits Liability coverage is also available to protect against employee benefit-related risks.

Employment Practices Liability coverage helps safeguard against employment-related claims.

Auto Liability coverage is another essential protection offered by public entity insurance carriers.

Sexual Misconduct Liability coverage is also provided to address this specific risk.

Here's a breakdown of the coverage options offered by one of these carriers: