Public official’s liability insurance covers defense costs or damages for claims brought against elected officials, government employees, and volunteers.
Why Do Public Employees Need Liability Policies?
Any business needs protection to cover expenses when faced with unexpected lawsuits and legal fees. Those who work in the public sphere also require this type of coverage. These kinds of jobs involve a high level of risk exposure to legal claims.
Public figures face a great deal of legal scrutiny within every project. People file lawsuits for issues involving discrimination or mismanagement of funds. There is also potential exposure to claims regarding things like zoning issues or failure to perform job-related tasks.
Public entities, their officials, and employees working in various capacities need this type of liability policy, including:
- Local governments – This includes towns, cities, boroughs, and counties.
- Special Districts – Districts such as water and sewer utilities, hospital, fire, irrigation, housing, transit, and parks, and recreation departments are part of this category.
- Airports and airport authorities
What Does Public Officials Liability Insurance Cover?
This type of policy protects the insured from wrongful acts claims. These claims consist of alleged misstatements, errors, negligence, or omissions while working as an elected official or public entity employee.
Public officials are liable for their actions while performing their professional duties. They should obtain coverage from an insurer who can meet their unique requirements as public figures.