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Chubb’s Public Entity Professional Liability policy is designed to address the unique exposures of public entity individual risks and pools.

Coverage Highlights


  • 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


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