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Public Officials Professional Liability

Public officials’ responsibilities to their constituencies grow more and more complex, and your management and professional liability insurance needs to reflect this. With Chubb’s underwriting expertise in the Directors & Officers (D&O), professional liability, and Employment Practices Liability (EPL) arenas, we can help you get the coverage you need.

Coverage Highlights


  • Hybrid policy providing comprehensive coverage to address the exposures created by the day-to-day operations of a public entity
  • Coverage available on an admitted basis in most states
  • Policy may be tailored to meet specific coverage needs of the public entity
  • Sound claims handling by experienced claims professionals
  • Access to EPL Assist®, an interactive system to help public entities reduce losses and avoid litigation associated with the complex employment challenges facing them today


  • Discreet and identifiable coverage grants for management liability, professional liability, and employment practices liability
  • First dollar protection for non-indemnifiable public officials management liability claims
  • Professional liability coverage is automatically extended to employed architects, engineers, accountants, and lawyers
  • Provision for modified defense outside the limits, so the policy’s aggregate limit is not eroded by claims expenses until the Insured has incurred an equivalent amount of claims expenses
  • Broader definition of Damages, covering:
    • Punitive and exemplary damages, where allowed
    • Front and back pay for EPL coverage
    • Liquidated damages awarded pursuant to the Age
    • Discrimination in Employment Act and the Equal Pay Act for EPL coverage
  • Broader definition of Insured Person, including:
    • Public officials and employees serving with an outside tax exempt entity
    • Persons providing services under a mutual aid agreement
    • Public officials and employees acting as directors or officers of 501c(3) non-profit organizations
  • Broader EPL coverage, including coverage for third party EPL claims; this extends coverage for:
    • Mental distress, injury, anguish, or tension, pain and suffering, shock, and humiliation arising out of aWrongful Employment Practice
    • Employment-related libel, slander, or defamation
    • Discrimination or harassment of non-employees by employees
  • Separate $25,000 limit for crisis management covers expenses incurred by the public entity to hire a crisis management firm and to disseminate information regarding a specific crisis
  • Full prior acts coverage available in most instances
  • Duty to defend policy wording
  • Automatic 60 day extended reporting provision
  • Full severability of the application and of the fraud and personal profit exclusions
  • Optional extended reporting provision available for up to three years


  • Up to $20 million

Target Clients

  • States, counties, township, villages, cities
  • Municipal boards and commissions
  • Special District Authorities, including housing, utilities, water and sewer, mass transit, and ports
  • Airports and airport authorities

Chubb Municipal Advantage Public Entity Liability

Chubb recognizes that public officials’ responsibilities to their constituencies are growing more complex. Their management and professional liability insurance program should reflect this. Chubb offers a hybrid policy that provides comprehensive coverage to address the exposures created by the day-to-day operations of a public entity.