A Short Guide to Insurance for Public Officials

Public officials have many important responsibilities to handle on a daily basis. With these important responsibilities comes a great deal of risk. Public officials are constantly at risk of facing claims of wrongdoing that can lead to expensive legal fees and settlements. Without the necessary protection, these claims can easily cause you significant financial damage. This is where insurance for public officials comes in to help.

What Can Insurance for Public Officials Cover?

Insurance for public officials can cover a wide variety of different claims/risks. Some of these are:

  • Errors & Omissions
  • Misleading statements
  • Negligence
  • Breach of duty
  • Bodily injury
  • Property damage
  • Alleged assault and battery
  • Alleged sexual abuse

Who Can Get Insurance for Public Officials?

Individuals who can obtain and benefit from public officials’ insurance can work in a variety of sectors and positions:

  • Elected, appointed or volunteer positions
  • Local governments
  • Water and sewer utilities
  • Hospital districts
  • Irrigation districts
  • EMS districts
  • Housing authorities
  • Transit authorities

How Much Does Insurance for Public Officials Cost?

Unfortunately, there is no one set price for public officials’ insurance. Some of the factors that can affect the price are:

  • Your location
  • Your experience
  • Your claim history
  • The amount of coverage you need

Working as a public official can be risky. Good insurance coverage can make all the difference when it comes to personal liabilities on the job.