Ideal Accounts and Target Classes
This program is tailored for a wide range of public entities, including:
- Municipalities
- Counties and cities
- Boroughs and townships
- Transit and housing authorities
- Sewer and water utilities
- Special districts and other single-purpose entities
If you have a client who is a small township or a regional transit authority, this program offers the flexibility and depth of coverage to protect against the unique risks of public service operations.
Coverage Highlights
The Public Officials Liability Insurance program includes broad protections for acts committed in the course of public duties, such as:
- Wrongful acts by officials, employees, and volunteers
- Employment practices liability (EPLI), including discrimination, wrongful termination, and harassment
- Coverage for back wages and defense for non-monetary claims
- Claims arising from permitting or licensing decisions
- EPLI coverage extended to law enforcement and firefighting personnel
- Defense available outside the limit of liability in some cases
Underwriting and Minimum Premiums
Minimum premiums vary depending on the size and type of public entity. Capitol Special Risks works with multiple carriers and can access both admitted and non-admitted markets to find the best fit for your clients. Submissions are reviewed promptly, and the company offers fast turnaround times with no broker fees.
Territories and Availability
This program is available in all 50 states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.
Why Work With Capitol Special Risks?
Capitol Special Risks is a wholesale broker with deep expertise in management and professional liability coverages. Their team understands the nuanced risks faced by public officials and governmental bodies and provides solutions that are tailored, responsive, and competitively priced. With access to a broad range of carriers and a commitment to service excellence, Capitol Special Risks is a trusted partner for agents placing complex public sector accounts.
Call today for information on Public Officials Liability Insurance! Fast turnaround and we never charge a broker fee!
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for municipalities, counties, cities, boroughs, townships, and special districts, as well as transit, housing, sewer, and water authorities.
Does the coverage include employment practices liability?
Yes, the policy includes EPLI coverage, including wrongful termination, discrimination, and coverage for law enforcement and fire personnel.
Can you place this coverage nationwide?
Yes, Capitol Special Risks offers this program in all 50 states.
Are defense costs covered outside the limits of liability?
In some cases, defense costs may be provided outside the policy limits. Availability depends on the carrier and specific terms.
Is there a broker fee for placing business through Capitol Special Risks?
No, Capitol Special Risks does not charge a broker fee for this program.
Need help placing an account? Connect with a market specialist.