Public officials liability
Protection for public leadership
Elected or appointed, public officials carry the trust of the community in every professional decision they make. But even the most conscientious public servants can find themselves pulled into lawsuits alleging poor decisions or breach of duty. And as jury awards and settlement amounts keep growing, a single lawsuit can do serious damage to your organization’s finances and reputation.
We developed our public officials liability insurance to help public officials and the agencies, commissions, or authorities they serve address risks related to allegations of wrongful acts in the course of their duties.
A protective partnership
Solutions for complex risks
Even a lifetime of dedication to public service isn’t enough to protect public officials from potential liability risks. A poor choice, oversight, or simple mistake can happen in any organization.
Across a broad range of public boards and entities, our customers appreciate our tailored liability solutions, along with the flexible options and endorsements we offer, including:
- Capacity up to $25M on a primary or excess basis
- Defense costs for nonmonetary relief
- Coverage of defense against land use dispute claims
- Crisis management coverage
- Coverage for volunteers
- Employment practice liability coverage (included, with optional endorsements for law enforcement and fire departments)
Entity-specific expertise
It takes more than teamwork to provide top-tier coverage and services; it takes specialized expertise – something we’re proud to bring to every customer relationship.
Our dedicated underwriters work with legal advisors and claims professionals to create a holistic approach to risk. Together, we identify the loss trends and risk scenarios facing public officials, tailoring our coverage and services for:
- Counties and local municipalities
- Housing authorities
- Port and transit authorities
- Water, sewer, and power authorities
- Special districts such as finance authorities
We combine this expertise with a customer-centric service approach that keeps your risk-management goals top of mind.
Better control over claims
From the moment a claim is filed, our customers feel the difference in our approach. Our claims professionals work closely with the underwriters who develop our coverages, so they have a deep understanding of public institutions and the potential liability exposures of public officials.
Add ongoing training, highly experienced senior claims leaders, and a culture that promotes proactive decision making, and you get professionals who are empowered to resolve claims quickly, always working to minimize litigation, control costs, and achieve better outcomes.
With our public officials liability solutions, customers can benefit from:
- Dedicated claims specialists with in-depth experience investigating, evaluating, negotiating, and resolving management and professional liability claims
- A select roster of attorneys available for civil, criminal, governmental, regulatory, administrative, or arbitration proceedings.
Get in touch
Our commercial and specialty insurance products and services are distributed through brokers and agents. If you are interested in our solutions for your business, please contact your agent or broker. If you are an agent or broker, please reach out to our team for more information.
Related insights
This website is intended to be informational. Descriptions are provided only as a summary outline of the products and services available and are not intended to be comprehensive and do not constitute an offer to sell or a solicitation. The products and services described may not be available in all states or jurisdictions. See your policy, service contract, or program documentation for actual terms, conditions, and exclusions. Any inquiries regarding the subject matter set forth herein should be directed through licensed insurance professionals.
Coverage and insurance are provided and underwritten by Liberty Mutual Insurance Company or its affiliates or subsidiaries. When we offer insurance products, we will state clearly which insurer will underwrite the policy. Some policies may be placed with a surplus lines insurer. Surplus lines insurers generally do not participate in state guaranty funds and coverage may only be obtained through duly licensed surplus lines brokers.
