The packaged insurance program includes specialized coverages such as general liability, auto liability, physical damage, crime, and excess liability, property, law enforcement, public officials, and employment practices liability; that can be supplemented by active shooter liability, special events, and cyber liability.

Coverages

• Property,
• General liability
• Public officials and management liability
• Inland marine
• Crime
• Commercial auto liability and physical damage
• Commercial excess liability

Key Coverage Features

• Pay on behalf
• Duty to defend
• Defense costs outside limit
• Broad named insured
• Failure to supply (except gas and electric)
• EPLI
• Drone liability

Target

Smaller municipalities with populations of less than 75,000. Special districts and water, sewer, and sanitation districts.

Limits

• Property – $50,000,000 any one location
• Equipment Breakdown – $100,000,000 per location
• Auto Liability – $1,000,000
• General Liability – $1,000,000/$3,000,000
• Public Officials Liability – $1,000,000/$3,000,000
• Crime – $500,000
• Excess – $4,000,000/$4,000,000 (higher limits available outside of the program)

Why RPS Signature Programs

Our team of industry experts can help take on the most complex client needs with our exclusive programs offering specialized coverage for niche risks. Excellent market relationships allow the RPS Signature Programs team to respond with competitive products for towns, villages, boroughs, special districts, and utility authorities.

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VISIT THE RPS KNOWLEDGE CENTER BY CLICKING A TOPIC BELOW:

Rising Risk in Public Entity

Public Entity Flyer

Preventing Violence in the Workplace

Ransomware Risks to Municipalities

Rising Risks, Lacking Risk Management Processes

Growing Cyber Threats for Public Entities

Addressing Environmental Safety Hazards

Preventing Workplace Harassment

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