PUBLIC OFFICIALS LIABILITY INSURANCE

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PUBLIC OFFICIALS LIABILITY INSURANCE

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PUBLIC OFFICIALS LIABILITY INSURANCE:
For public entities and officials

Public Officials Insurance

Public Officials Liability is defined as the liability exposure faced by a public official from “wrongful acts,” usually defined under public officials liability insurance policies as actual or alleged errors, omissions, misstatements, negligence, or breach of duty in his or her capacity as a public official or employee of the public entity.

In today’s litigious society, Public Officials Liability Insurance is a must-have. Public officials are big targets for litigation and face these kinds of threats much too frequently. XINSURANCE provides true peace of mind by helping to protect you or your organization if an accident, incident, claim, or lawsuit occurs.

Public Officials Insurance

Who Is XINSURANCE?

XINSURANCE is a full-service liability insurance provider that covers the most challenging risks.  We are powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus line insurance brokerage. We provide all-in-one protection to anyone looking for coverage, even if you’ve been canceled or non-renewed by your carrier. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs. XINSURANCE is available in all 50 states.

What Can Public Officials Liability Insurance Cover?

Public officials, government employees, public entities, etc. can all get customized coverage under one policy, known as our All-In-One Approach.

Examples of available coverages include:

  • Errors & omissions (E&O)
  • Misstatements & misleading statements
  • Negligence or breach of duty
  • EPLI (Employment Practice Liability Insurance)
  • Bodily injury
  • Property damage
  • Alleged assault and battery liability
  • Alleged sexual abuse and molestation liability
  • And more

Please note that we do not provide workers’ comp.

EPLI (Employment Practice Liability Insurance)

Public Officials Liability must always include Employment Practice Liability Insurance (EPLI). As stated by the Insurance Information Institute, EPLI covers businesses against claims by workers that their legal rights as employees of the company have been violated. It can provide protection against employee lawsuits such as sexual harassment, discrimination, wrongful termination, breach of employment contract, negligent evaluation, and more.

If you have questions or concerns about EPL Insurance or EPLI coverage, we’re here to help! It will be included with your Public Officials Insurance at no extra cost.

Who Can Get Public Officials Liability Insurance?

Public Officials Liability can apply to individuals such as elected or appointed officials, employees, and volunteers as well as certain public entities.

Public Entities may include:

  • Local governments (cities, towns, villages, counties, boroughs, etc.)
  • Special districts or special government units
    • Water & sewer utilities
    • Hospital districts
    • Irrigation districts
    • EMS (emergency medical services) districts
    • And more
  • Housing authorities
  • Transit authorities
  • And more

Get A Free Public Officials Liability Quote

To request a quote, please fill out our online form. It will be received and reviewed by our in-house underwriting team, who will follow up with you as soon as possible. You can also call us at 877-585-2853 to get a quick ballpark quote.

Please contact us to get your free Public Officials Liability quote today. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 30 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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