Public officials liability insurance provides coverage for damages or defense costs for claims against elected or appointed officials, employees, and volunteers. The type of claim that is generally made is for wrongful acts in the performance of their duties to a public entity. Despite governmental immunities or torts, public officials can be held liable for their actions while carrying out their duties.
Public entities consisting of a variety of types of government bodies including local governments, special districts, housing authorities, and transit authorities need this coverage. Local governments include:
Special Districts or special/single-purpose government units can include:
- Water & sewer utilities
- Irrigation districts
- Hospital districts
- Fire & EMS districts
- Commissions and special boards
- Parks & recreation departments
Potential exposures can result from federal, state, and employment practice violations. These exposures include, but are not limited to:
- Alleged errors & omissions
- Misstatements & misleading statements
- Negligence or breach of duty
Public officials coverage protects not only the individual public official or employee, but also provides coverage for the public entity itself if brought into a suit.