SMALL BUSINESS // FINANCIAL LINES

Public Officials Liability

ABOUT THIS COVERAGE

The Municipal Advantage Public Entity Liability Policy from Westchester Small Business is a comprehensive public official’s liability and employment practices liability product, designed for a wide array of public entities and their officials, employees, commissions, and boards.

APPLICATIONS

Public Entity Represents

Public Entity Warrants

Public Entity Renewal Represents

Public Entity Renewal Warrants

Please send submissions to : micropro@westchester.com

COVERAGE

Admitted and non-admitted capability
Separate claims expense limit equal to aggregate limit
Definition of “insured persons” includes officials, employees, commissions, boards, and volunteers. ODL coverage for 501(c) 3 and tax-exempt entities.
Full severability of application for insured persons
Definition of “damages” includes favorable venue punitive and exemplary damages
Third party EPL coverage – employment discrimination and sexual harassment
Crisis management coverage – including incapacity/death and indictment of Insured; funding cancellation, bankruptcy, employment event, and other material events
Injunctive/non-monetary relief exclusion - $100,000 claims expense sub limit
No anti-trust exclusion

LIMITS

Up to $5 million

PREFERRED CLASSES

Public entities with revenues below $15 million, including municipalities -- such as public, charter, private, and vocational schools, as well as community colleges. District programs, including pools, are also eligible.

RESTRICTED CLASSES

Monoline Law Enforcement Authorities
Monoline Fire Fighting Authorities

ABOUT WESTCHESTER

Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. Westchester is a division of Chubb. Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb employs approximately 40,000 people worldwide. Additional information can be found at: www.chubb.com.