Insurance For Public Entities & Municipalities

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By: Dax Kastrin

Owner of Elemental Risk Management

505-933-6511

General Liability Insurance

Property Insurance

Worker's Compensation

Insurance is needed for public entities and municipalities to protect against risks that could cause property damage or bodily injury.

These areas require specialized coverages for everything from public parks, baseball fields, children playgrounds, skateboard parks, and city planning.

What Coverage is Needed for Public Entities & Municipalities

At Elemental Risk Management, our team will be able to customize a plan to keep you protected. Our risk advisors will educate you on your level on risk and consult with you on areas like coverage types, terms, limits, safety and risk management programs. Here are some unique coverage options to consider for your local gov. needs:

Public Official Liability (Errors & Omissions)

The government has a duty to the public to perform its services in a competent and efficient manner. Liability insurance is an important part of the public officials’ job.

Public Official Liability Insurance (Errors & Omissions) is a type of insurance that protects public officials from liability for errors and omissions in their duties. It can be very important for local government officers who are entrusted with a lot of responsibility. The insurance will protect them from any legal issues that may arise while they are performing their job.

Employment Practices Liability

Employment Practices Liability insurance is a type of insurance that protects local governments and other employers against liability claims filed by current or former employees.

This type of insurance is designed to protect the employer against allegations of sexual harassment, wrongful termination, discrimination, retaliation, defamation and other types of employment-related lawsuits. It also provides coverage for defense costs in the event that the employer is sued by an employee in a court of law.

Law Enforcement Liability

Law enforcement officers are usually required to carry a certain amount of liability insurance. However, in the event that an allegation of negligence is made against the officer, they may not be covered.

This is because most liability policies do not cover the officer when they are on-duty and performing their duties. The only way that the officer will be covered under this policy is if they were negligent while off-duty and outside of their scope of employment.

Cyber & Data Security Insurance

Local governments should be aware of the need for cyber data security insurance. Cyber data security insurance is a type of business insurance that covers both the cost of a cyber attack and any losses as a result of the attack. In addition, it covers costs related to notifying customers or clients about an attack and expenses incurred by restoring lost or damaged data.

This type of insurance is something that every local government should consider in order to protect its employees and its confidential information. This can be done by contacting an independent agent who offers this type of coverage.