For city and county governments, as well as public schools and universities, there are a number of issues not automatically covered by the core insurance and risk management services most businesses require. Some of the things to consider include:

For counties and municipalities

Law Enforcement and Firefighter Concerns
Do you have professional liability coverage to protect you in the event your law enforcement, firefighters or rescue personnel are accused of not providing proper services? Do you have specialized physical damage coverage, which includes replacement costs, for emergency vehicles? If you have volunteer firefighters and EMS personnel, do you have accident coverage to protect them…and you?

Public Officials
In addition to the bonds required to secure the faithful performance of officials, do you have sufficient levels of liability coverage in the event you are sued for “actions taken by the governing body”?

Specialized Equipment and Facilities
Do you have specialized inland marine coverage for equipment such as antennas, water towers, fire/police apparatus, electric transmission lines, water/sewer lines and the like? Do you have parks, swimming pools, ball fields, skating rinks or other facilities that increase your liability?

Employment Practices Liability
If your government was involved in an employment lawsuit - for alleged discrimination, harassment or wrongful termination - would you be covered for the cost of defense and a multi-million dollar settlement? Do you have consistent, documented procedures in place to prevent such suits from occurring?

For Public Schools and Universities

School Board Liability
Will the members of your school board be adequately protected for both defense and award costs in the event they become involved in a lawsuit?

Harassment and Abuse
With the prevalence and publicity surrounding harassment, abuse, and molestation cases, are you sure that you have the right types and amounts of insurance protection in place? Do you have a strong risk management program - that is consistently monitored throughout all of your facilities - to prevent such incidents from occurring?

Transportation
Do you have the proper level of insurance coverage in place, as well as consistent safety and risk management procedures, in all instances where students are being transported?

Computers and Electronic Data
If student records or other important data were destroyed, would you be prepared to pay what it would cost to reconstruct them…or to suffer the consequences of not having them? Do you have coverage in place to specifically address the loss of computer hardware?

Special Programs
If you have students working in the community as part of a special training program, do you have miscellaneous liability coverage in place to protect them and you in the event they are injured or are responsible for some type of mishap? Do you have any unusual exposures to risk because of special training facilities you may operate such as day care centers, auto repair shops, construction programs and the like? Do you have any pollution exposures due to laboratory chemicals, etc?

Student and Teacher Travel
When students take school-sponsored tours, or teachers go on sabbatical in foreign countries, do you have the appropriate types of coverage in place to protect them?

Special Risk Accident
Are your volunteers and students covered in the event they are injured playing sports or while being transported as part of a school program?

Every organization is unique. We look forward to working with you to identify and manage the risks that can impact your future.