Get tailored insurance coverage for your public entity
Public entities are as unique as the inhabitants who occupy them; no two are exactly alike. Chubb understands the varied exposures of these governmental institutions, and delivers coverages tailor-made for their unique needs.
With a range of endorsements and flexible policy forms, Chubb can customize coverage to meet the specific needs of each client. Designed to provide coverage in excess of a self-insured retention, Chubb’s Primary Retained Limits Policy covers Automobile Liability, General Liability including Law Enforcement Liability and Sexual Abuse Liability, Public Officials and Employment Practices Liability. Chubb’s Excess Follow Form Policy provides capacity for individual and group risks - coverage triggers, defense costs and aggregates apply in the same manner as the underlying coverage.
Reinsurance agreements are available for use when Chubb reinsures a municipal pool or group entity. These agreements allow Chubb to customize coverage to align with the Memorandum of Coverage issued by the pool to its members. Chubb also has the flexibility to sign onto broker reinsurance agreements when necessary.
Recent claim scenario
Recent claim scenario
Chubb resolves automobile claim
A law enforcement officer was involved in a collision while responding to a call for the insured public entity. The collision resulted in a fatality to the other driver.
Chubb worked with the TPA and insureds to reach a settlement.
ADDITIONAL SERVICES
Chubb Risk Engineering
Increasing globalization, new business models, changing technology, an evolving risk management approach — as you face these challenges, Chubb can craft risk engineering solutions to address your specific risks. Our in-house network of more than 400 risk engineers around the globe helps companies anticipate and minimize costly exposures.
Burst pipes, roof leaks, overflowing toilets, and leaking appliances can cause significant damage, with losses ranging from thousands into millions of dollars. Chubb can help risk engineers and commercial property managers deploy IoT technology to monitor and identify threats before damage occurs.
Risk management products to respond to the complex insurance needs of the public entity industry
Whether your public entity takes you around the world or just around the town, Chubb is there for you. Our breadth of experience lets us provide the insurance solutions you need, whenever you need it, whatever you may be.
Partnership that’s personal
We work to understand your entity and where you’re headed so we can be proactive about meeting your needs. Whether big or small, we invest in getting to know you, your team, and your customers. The goal: to help you see ahead, be ahead, and stay ahead.
Creative problem-solving
Insurance isn’t one-size-fits-all — and neither is our approach. Our playbook is always evolving because we’re always striving to help clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to helping solve your risk challenges.
Unmatched expertise and financial strength
Chubb has served clients and partnered with leading organizations for more than 200 years. Our longevity, expertise, and financial strength are the bedrock of our business. That’s why 95% of Fortune 1000 companies are Chubb insured.
Employment Practices Liability Loss Prevention Program
Although you can’t completely eliminate the possibility of an EPL lawsuit, this comprehensive, state-of-the-art program can help you proactively assess and manage your risk.
