A public entity may be defined as an organization that provides public services, such as a government office, educational institution, or city. Defining public entity liability, however—something considered a necessity for many in the public sector—is more complex.
1. What Is It?
Public entity liability is insurance that covers incidents such as property damages and accidents within the public workplace. In addition to providing protection against claims and losses, coverage is usually catered to fit each institution based upon its individual needs.
2. What Does It Cover?
There are a number of complex risks faced by public entities, including outdated infrastructure and an increase in litigious matters. The liability insurance works to mitigate some of these risks by providing coverage for general liability, auto liability, public official liability, and more. Many also offer risk control management as a preventive measure.
3. Who Needs It?
Public entity liability is advisable to those who operate within the public sector. Entities who may benefit from legal protection include:
- Schools and universities
- Public officials
Coverage may also extend beyond the individual or organization. In some cases, liability may cover entire cities or counties.
The people and organizations who work at the forefront of society deserve the best protection, which is why many of them turn to public entity liability coverage. With this peace of mind, public entities can get back to offering society’s primary functions.