City officials will be the first ones to tell you that they face liability issues every single day. While each municipality is unique and must address different needs and concerns, they all have a common interest: to provide for public safety, to manage the city, invest in education and the welfare of the people, and manage fiscal policy and other related matters.
Managing an entire city or town is no easy task, and risk and loss exposures are certainly nothing new for those operating within the public sector. An Aegis MGA wants to be “hands on” when helping to determine the particular needs of any governing board, and help ensure that the right municipality insurance program is available, and to make sure that everyone involved in the process understands the details of each policy.
Any sound program begins with a General Liability policy
This coverage is necessary as it protects a municipality against bodily injury and property damage claims that may arise from any and all locations and operations within the municipal entity. This involves injuries due to improperly maintained roads, sidewalks, any ongoing construction activities, or even natural disasters where they may occur.
Employment practices liability is an ever-growing concern
Like every type of business, municipalities need protection against claims from employees, even those without merit, and this includes alleged discrimination, wrongful termination, harassment, retaliation, and unfair discipline practices. Employees may also cite wrongful hiring practices, unwarranted demotion, failure to promote, misrepresentation, defamation, libel, slander, disparagement or invasion of privacy, and breach of implied contract. That’s quite a slew of possible allegations and they can occur at any time on any given day.
Crime is another common concern
Part of being engaged in crime prevention is insuring against potential losses. Departments that are hiring need to ensure they have properly screened applicants and done sufficient background checks for city employers as well as employees. Other high crime concerns relate to the prevention of tax fraud and cases involving the evasion of social security contributions.
An Aegis MGA is ready to go over our Allied Public Risk municipality package, which includes everything from property insurance to umbrella liability and everything in-between.