What Is a Public Official Liability Policy

Public Official Liability Policy

Apublic official liabilitypolicy provides coverage for government workers and other public employees. These policies are similar to a Directors and Officers policy for corporations.

Which Public Officials Need Liability Coverage?

People who work for public entities have unique risks inherent to their positions. It is essential for those working with the community to maintain professionalism while performing job tasks and protect themselves from potential legal claims with adequate insurance.

Various public entities can obtain this type of insurance, including:

  • Special Districts
    • Hospital districts
    • Fire districts
    • Parks and recreation departments
    • Water and sewer utilities
    • Electric and gas utilities
    • Commissions and special boards
  • Local Governments
    • Towns
    • Cities
    • Counties
    • Villages
  • Other Departments
    • Transit authorities
    • Housing authorities
    • Airport authorities
    • Industrial developments

What is Public Official Liability Insurance?

This coverage protects officials against legal claims due to wrongful acts that occur while performing professional duties. Securing this kind of policy is vital in today’s society, as lawsuits have become increasingly common. Due to their jobs’ nature, public officials have a higher risk of facing these types of claims than non-public workers.

What Does a Public Liability Policy Cover?

This type of insurance protects entities and employees from legal claims stemming from the following types of on-the-job incidents:

  • Misleading statements
  • Misstatements
  • Errors
  • Omissions
  • Breach of duty
  • Personal injury
  • Civil rights violations
  • Negligence

Legal costs can be prohibitive. Public official liability coverage helps government employees and public entities mitigate legal expenses when an accident or lawsuit occurs.

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