Public Entity

Public entity insurance helps protect government organizations, municipalities, school districts, and special districts from risks they face while providing public services. Unlike private businesses, these organizations focus on serving their communities rather than making a profit. The coverage addresses claims related to accidents, errors, or omissions during daily operations.

It includes protection for officials, employees, volunteers, and contractors, as well as risks from property damage, cyber threats, and regulatory matters. Many plans also offer employee health benefits and retirement programs designed for the public sector. Managing these risks supports your organization’s ongoing operations.

Risks for public organizations are changing, and insurance for public entities should reflect that. General liability and property insurance remain important, but new concerns like cyberattacks require specific coverage to protect data and maintain trust. Public entity liability insurance helps address breaches that could interrupt services or affect reputation.

Other exposures include tort liability, official errors, workers’ compensation, and vehicle-related incidents. Typical policies cover liability, property, workers’ compensation, automobile, and cyber risks. Depending on your location and needs, you may also consider environmental liability or business interruption coverage.