From cities and counties to utilities and transit authorities, public entities are exposed to many types of risks. Sensitive, personally identifiable information can be vulnerable to cyber-attack. Distracted driving and accident risks increase with the amount of electronics being installed in law enforcement vehicles. Aging infrastructure poses constant transportation challenges. At Fee Insurance Group, we work with leading national carriers who are continually refining their offerings to help our customers address the new challenges their communities face every day.
Protect yourself from risk.
We have program structures available to support any size public entity, including deductible and self-insured retention programs, aggregate deductibles and risk retention pools. These structures allow us to tailor our programs help you get the insurance you want.
Some of the coverages you may want to consider include:
This critical form of coverage helps cover your financial risk if you are responsible for bodily injury or property damage to others.
Public entities like yours often store information about employees, contractors and customers, including Social Security and credit/debit card numbers. Data Breach Coverage helps pay the costs of notifying impacted individuals such as customers and employees, managing public relations, good faith advertising, and more if personally identifiable information is lost or stolen.
Employee Accidents and Injuries
Workers’ compensation insurance helps protects your employees and your public entity from the costs of workplace accidents and injuries.
Kansas requires workers’ compensation insurance for most employers—see rules here. Those statutes determine the amount of benefits an injured employee is entitled to, what types of injuries are covered, and how medical care will be delivered. In general, workers’ compensation insurance covers the costs of medical care for the injured worker, as well as income replacement if they cannot return to work for a while. Workers’ compensation insurance may also provide death benefits if a worker is killed at your facility.
Commercial General Liability (CGL) insurance helps provide protection from a variety of claims ranging from:
Injuries on your property, such as slips or falls
Bodily injury or property damage to a third party caused by your work or your employee's activities
Liability of others you assume under contracts
Bodily injury or damage to another's property arising from a defect in your product
Libel, slander, or business disparagement
Copyright infringement in your advertisement
General Liability insurance covers the cost of your legal defense if you are sued for covered claims and any settlement or judgement awarded for those claims.
An Umbrella Liability Policy supplements your existing policy's general liability, auto liability and employer's liability limits. An umbrella policy provides:
Increased limits in excess of the standard primary policies
Replacement of the primary policies if limits are used up by covered losses
Broader coverage than primary coverages
Public entity management liability insurance provides coverage for a loss caused by a wrongful act committed while conducting duties by or on behalf of a public entity.
Many insurers address these exposures by offering a blended insurance product for both Public Entity Management Liability claims (PEML) and Employment Practices Liability claims (EPL) with one single policy limit. EPL claims tend to have frequency along with severity and can quickly erode your limits of coverage.
Law enforcement liability insurance provides coverage for bodily injury, personal injury or property damage caused by a wrongful act committed by or on behalf of a public entity while conducting law enforcement activities or operations.
Law enforcement activities or operations consist of any of the official activities or operations of the named insured's police department, sheriff agency or other public safety organization, other than a fire district or department, that enforces the law and protects persons or property, including:
Ownership, maintenance or use of a premises in order to conduct law enforcement activities or operations, including ownership or operation of the named insured's jails, penal institutions or similar facilities
Providing first aid at the time of an accident, crime or medical emergency
Moonlighting (if approved by the named insured's police department, sheriff agency or other public safety organization)
Employment practices liability insurance provides coverage for employment loss that is caused by discrimination, wrongful termination, harassment, retaliation, unfair discipline, wrongful hiring, supervision, demotion, failure to promote, misrepresentation, defamation, libel, slander, disparagement or invasion of privacy.
Many insurers address these exposures by offering employment practices liability coverage through a Public Officials Liability (POL) policy, which provides coverage for both public entity management liability claims and employment practices liability claims. At Fee Insurance, we offer stand-alone employment practices liability coverage so payment of employment-related claims will not erode the limits available for public entity management liability claims. Further, many policies exclude coverage for wages (back pay and front pay), which are often an integral part of an employment-related lawsuit.
Public Entity Vehicle Damage and Liability
Public entities have unique automobile exposures, including fire trucks, ambulances, police cars, buses, road and street maintenance vehicles and other emergency vehicles.
Fee Insurance Group provides coverage solutions for law enforcement and emergency vehicles, as well as commandeered autos and their owners. Our coverage also includes audio and radar detection equipment, intentional bodily injury and property damage caused by autos used to help protect people or property.
You can customize your policy to cover:
Vehicles that your public entity owns
Vehicles that your public entity owns, leases, or hires
All vehicles that are used for entity purposes, including those that the entity does not own, lease or hire (e.g., personal vehicles that are driven for entity purposes)
You can list each vehicle on your policy and carry different coverage for each depending on the vehicle’s characteristics and the coverage you need for it.