Chubb’s Public Entity Professional Liability policy is designed to address the unique exposures of public entity individual risks and pools.
Coverage Highlights
Benefits
- Dedicated and experienced public entity underwriters
- Seamless program and coverage
- Specialized public entity claims and loss prevention expertise, complementing self-administration or third party administration
- Flexible program design and collaborative servicing capabilities
- Backed by the financial strength of Chubb
Coverage
Public entity is defined as political subdivisions, agencies and authorities, public and private schools (K-12), and colleges
Combined liability/professional liability retained limit and follow form excess coverages, with various limits for:
- General liability, including law enforcement liability
- Automobile liability
- Public officials liability or school board liability, including Employment Practices Liability
- Employee benefits liability
- Miscellaneous professional liability
Potential companion coverage, with various limits and attachments for
- Accident & Health, including student accident
- Aerospace/Aviation
- Builders' Risk, Bridges and Tunnels
- Construction
- Environmental Liability
- Excess Workers Compensation
- International Advantage® Package
- Kidnap & Ransom, including Child Abduction
- Privacy and Network Security Liability
- Property
A Hybrid Policy with Comprehensive Coverage
We offer comprehensive coverage to address the exposures created by the day-to-day operations of a public entity. Learn more about how Chubb Municipal Advantage® protects those involved in the public sphere.
Minimums & Limits
- Normal capacity offering of $5 million to $10 million
- Capacity up to $20 million available
- Prefer first layer excess of self-insured retention above normal loss expectancy
Target Clients
Individual Risk:
- Cities or towns with populations of 35,000 or more
- Counties with populations of 100,000 or more
- Formalized risk management program
- School districts with an average daily attendance of 7,500 or more
- Special district
Pool Risk:
- Clear pool operational strategy
- Risk sharing/risk retaining
- Selective member acceptance and pricing criteria
- Strong claims and loss prevention services
Chubb’s Public Entity Industry Practice — Integrated Liability
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.