Public Service Insurance

Specialty insurance solutions tailored to your unique needs.
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Serving those who serve us: the ultimate protection for public servants.

Discover unparalleled liability insurance solutions that honor your commitment to public service, offering the security and peace of mind you truly deserve.

What is Public Service Insurance?

Public service insurance is a specialty coverage designed to protect individuals who serve the community in public roles against a range of professional and personal risks they may encounter. As a public servant, you shoulder a greater responsibility, relentlessly ensuring the well-being of our society. This dedication must be balanced with an insurance partner who values your commitment and provides you with the protection you need and deserve.

The specific challenges of public service call for more than a typical insurance policy – they demand bespoke solutions that understand and adapt to your unique needs. That’s where XINSURANCE, with over 40 years of experience in the industry, steps in – committed to providing you and all public servants with reliable protection. Designed to give you peace of mind, XINSURANCE wants you to focus on what you do best: serving the public. Allow us to help shield you from the unexpected, so you can continue your essential work with the confidence and reassurance that we’ve got you covered.

Types of Public Servants We Can Help

  • Protective Services
  • Government Servants
  • Public School Educators
  • Community Helpers
  • Volunteers
  • And More!
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Public Service Insurance Coverage Options

Professional Liability

Provides protection against claims of negligence, errors, and omissions in services provided. Learn more.

Legal Liability for On and Off Duty

Offers financial coverage for legal expenses and potential liabilities incurred by the policyholder both during the performance of their official duties and in their personal life, ensuring they are protected against legal claims in all aspects of their life.

Income Protection When Suspended Without Pay

Provides financial support to the policyholder if they are temporarily suspended from their public service role without salary, ensuring they still have a source of income during the suspension period.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Offers additional limits over and above the primary liability coverage, providing an extra safety net for catastrophic events or high-damage claims. Learn more.

General Liability

Provides coverage for injuries and property damage sustained by third parties.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Active Shooter Liability

Given the unfortunate rise in public incidents, coverage for active shooter situations can provide critical support for emergency response, liabilities, and subsequent trauma care. 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.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own. Learn more.

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.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Property Coverage

Protects against damage to or loss of equipment, offices, and facilities crucial to public services. This is especially important for public service roles that depend on specialized tools or operate out of government buildings. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

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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 Public Service Insurance

Do public servants have enough insurance coverage through their employer?

While many public sector employers provide a form of insurance coverage for their employees, it’s important to understand that these policies often come with exclusions and gaps that might leave public servants vulnerable in certain situations. Employers typically offer a standard level of protection that may not fully encompass the unique risks associated with various public service roles. As a result, there could be significant areas of exposure that are not adequately covered, particularly in cases of unique liabilities or when off-duty.

This is where XINSURANCE steps in to provide a safety net. Recognizing the limitations of traditional employer-provided insurance, XINSURANCE offers tailored solutions designed to fill those potential gaps, ensuring comprehensive protection for public servants both on and off duty. We understand that the nature of public service can expose individuals to unusual risks, which is why our custom insurance solutions are aimed at providing the additional layer of security needed to cover these unique exposures.

Can public service insurance be customized to fit specific job roles within the public sector?

Yes, many insurance providers offer customizable policies that can be tailored to the specific risks and needs associated with various public service roles, ensuring comprehensive protection.

XINSURANCE does not provide a cookie-cutter policy that applies to everyone. Instead, we talk to you and learn more about you and/or your business. We then come up with an insurance solution that provides customized coverage based on your needs. This all-in-one approach allows you to pick the coverage you want to have on your insurance policy.

Is there a difference between individual and group public service insurance policies?

Individual policies are designed to cover a single person, while group policies are offered to teams or departments, potentially resulting in cost savings and broader coverage options. The best choice depends on the specific needs and circumstances of the insured or the employing organization.

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.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– 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