Public Officials Insurance
Specialty liability insurance solutions tailored to your needs.
Get StartedBeing in the public eye means facing unique liabilities that go beyond the ordinary.
XINSURANCE offers liability insurance solutions designed with the specific challenges of public officials in mind, offering a safety net that typical insurance providers simply don’t.
What is Public Officials Liability 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.
Who Can Get Public Officials Liability Insurance?
Any elected or appointed official who serves in a public capacity, including mayors, city council members, judges, law enforcement officers, and school board members, should consider this insurance to protect against personal financial loss due to lawsuits arising from their duties.
- Elected Officials
- Appointed Officials
- Public Administration
- Public Entities
- And More!
Public Officials Insurance Coverage Options
General Liability
Provides coverage for injuries and property damage sustained by third parties.
Professional Liability
Professional liability insurance for public officials should, up to policy limits, cover legal fees, settlements, and any awards from lawsuits alleging wrongful acts, errors, or omissions committed within the scope of their official duties. This includes protection against claims of malfeasance, misfeasance, and nonfeasance. Learn more.
Personal Liability
Personal liability protection in the event of an accident and a claim is made against you. Learn more.
TRU Umbrella
Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.
Active Shooter Liability
Liability protection in the event of an active shooting taking place on company property. Learn more.
Alleged Assault and Battery Liability
Coverage for claims against you regarding assault and/or battery.
Alleged Sexual Abuse and Molestation Liability
Coverage for claims against you regarding sexual abuse and/or molestation.
Commercial Auto*
Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.
*Available in most states
Communicable Disease Liability
This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.
Directors and Officers (D&O) Liability
Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.
Property Coverage
Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.
Riot and Civil Commotion Liability
Liability protection against claims made from a riot or civil commotion.
Special Events Liability
Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.
How To Get A Quote
Request Your Quote
Click the button below to get started on your quote
Specify Your Needs
We’ll schedule a call with you to consult on your needs, and collect more details
Get Your Custom Quote
We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy
FAQs About Insurance for Public Officials
Can volunteer public officials obtain liability insurance?
Yes, volunteer public officials can obtain liability insurance, and it’s strongly advised, as they face similar legal risks as their full-time counterparts. At XINSURANCE, we would be happy to provide an insurance quote for volunteer public officials.
Is liability insurance for public officials provided by the government?
In many cases, government entities provide some level of liability protection, but coverage may be limited. Public officials should assess whether additional personal coverage is necessary. XINSURANCE would be happy to review your current insurance policy, at no cost or obligation, to identify any gaps and exclusions that are leaving you exposed. We may offer a solution to cover those gaps.
Can I be insured if I've been dropped or rejected by an insurance company?
Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.
Does public officials insurance cover defamation claims?
Yes, liability insurance for public officials can cover defamation claims, provided the alleged defamation occurred during the insured’s official duties.
How quickly can coverage take effect?
The timeline can vary but we can try to move as fast as you need us to – a phone call will likely be required with our CEO, Rick J. Lindsey.
What types of public entities should have public officials insurance?
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
How much does liability insurance for public officials cost?
The cost of insurance for public officials depends on a variety of factors. Factors include the official’s role, the jurisdiction’s size, the policy limits, the deductible amounts, the presence of any previous claims, and more.
What our clients say
Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!
– Dave H.
They are amazing and always there to help you if you have any questions or concerns.
– Arlene A.
XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.
– Leslie A.
Your Trusted Team for Tackling the Unexpected
Fighting for You Is What We Do Best
At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.
Unique Requirements Are Our Specialty
XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.
Built-For-You Flexibility & Dedicated Support
The XINSURANCE approach to coverage is anything but “one size fits all.” Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.
More of Your Coverage - All in One Place
Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.
What You Can Expect From Our Team
Insurance solutions tailored to your needs
Expansive coverage options
Expert support when facing frivolous charges
Dedicated support & service
Professional Liability
We provide professional liability insurance solutions that can include coverage for negligence or alleged negligence, harmful advice, personal injury, libel and slander, actions of employees, claims from past services, and more.
Private Clients
We provide customized liability insurance solutions for private clients, such as high-profile individuals, high net worth individuals and families, business owners, family offices, and more.
TRU Umbrella
TRU Umbrella coverage is customized to fit your unique needs by filling the gaps and covering the exclusions in your primary policy for work, home, and play.
