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Public officials’ responsibilities to their constituencies grow more and more complex, and your management and professional liability insurance needs to reflect this. With Chubb’s underwriting expertise in the Directors & Officers (D&O), professional liability, and Employment Practices Liability (EPL) arenas, we can help you get the coverage you need.
Coverage Highlights
Benefits
Hybrid policy providing comprehensive coverage to address the exposures created by the day-to-day operations of a public entity
Coverage available on an admitted basis in most states
Policy may be tailored to meet specific coverage needs of the public entity
Sound claims handling by experienced claims professionals
Access to EPL Assist®, an interactive system to help public entities reduce losses and avoid litigation associated with the complex employment challenges facing them today
Coverage
Discreet and identifiable coverage grants for management liability, professional liability, and employment practices liability
First dollar protection for non-indemnifiable public officials management liability claims
Professional liability coverage is automatically extended to employed architects, engineers, accountants, and lawyers
Provision for modified defense outside the limits, so the policy’s aggregate limit is not eroded by claims expenses until the Insured has incurred an equivalent amount of claims expenses
Broader definition of Damages, covering:
Punitive and exemplary damages, where allowed
Front and back pay for EPL coverage
Liquidated damages awarded pursuant to the Age
Discrimination in Employment Act and the Equal Pay Act for EPL coverage
Broader definition of Insured Person, including:
Public officials and employees serving with an outside tax exempt entity
Persons providing services under a mutual aid agreement
Public officials and employees acting as directors or officers of 501c(3) non-profit organizations
Broader EPL coverage, including coverage for third party EPL claims; this extends coverage for:
Mental distress, injury, anguish, or tension, pain and suffering, shock, and humiliation arising out of aWrongful Employment Practice
Employment-related libel, slander, or defamation
Discrimination or harassment of non-employees by employees
Separate $25,000 limit for crisis management covers expenses incurred by the public entity to hire a crisis management firm and to disseminate information regarding a specific crisis
Full prior acts coverage available in most instances
Duty to defend policy wording
Automatic 60 day extended reporting provision
Full severability of the application and of the fraud and personal profit exclusions
Optional extended reporting provision available for up to three years
Optional coverage available for privacy liability arising out of lost computer equipment, network security breaches, and identity theft
Limits
Up to $20 million
Target Clients
States, counties, township, villages, cities
Municipal boards and commissions
Special District Authorities, including housing, utilities, water and sewer, mass transit, and ports