Public Sector General Liability Insurance
What is public sector general liability insurance?
Public sector general liability insurance provides coverage for the unique exposures of public entities. This includes cities, counties, public utilities, transits, schools, other special districts and American Indian nations.
![Individual shows their ticket to the transit city rail conductor.](https://asset.trvstatic.com/images/assets/women-on-bus-buying-ticket-using-contactless-pay.jpg/ad48328a355f11ee8bd32e3406337e31)
Key coverage features
Coverage applies to:
-
Public entity's premises and operations within the coverage territory, unless specifically excluded
-
Bodily injury, property damage, personal injury and advertising injury liability
-
Damage to premises rented to you
-
Host liquor liability
-
Non-owned watercraft (50 feet or less)
-
Owned watercraft (less than 25 feet)
-
Contract liability
-
Mobile equipment liability
-
Bodily injury or property damage arising only out of for the discharge, release or escape of: pesticides, herbicides, fungicide or fertilizer; chemicals used in sewage treatment/water purification/swimming pool maintenance; pollutants used in firefighting or emergency response services (coverage subject to certain requirements)
Optional features/coverages
-
Failure to supply - limited coverage for utility operations
-
Sewage back-up
-
Cemetery professional services liability
-
Professional health care and social services liability (nurses, emergency medical technicians, social service professionals, coroners)
-
Per occurrence deductible
-
Non-auditable
-
Limited abuse or molestation liability
-
Employee benefits liability
-
Liquor liability coverage
-
Commercial excess liability (umbrella)
-
Consideration for statutory tort caps and immunity protection
This coverage is specifically designed to help protect:
![A stately building against a blue sky.](https://asset.trvstatic.com/images/assets/massachusetts-state-house.jpg/bcfcc3da3ad711ee8bd32e3406337e31)
Customize solutions
Discover products in your industry.
Specialized Risk Control services
Dedicated Risk Control specialists are experienced with the potential liability associated with playground and recreation exposures such as dog parks, skateboard parks, climbing walls and swimming pools.
Swimming pools
Get an online collection of resources for pool owners and managers, including guides, checklists and examples.
Parks and recreation
Receive guidance for unique activities, including special events, playgrounds, skateboard parks and climbing walls.
Athletic programs: Playing it Safe
Obtain a guide to managing the potential risks from organized sports programs.
Interactive, web-based self-assessments
These tools can help you identify and manage slips, trips and falls, and other general liability exposures.
Related services
Risk Control
With more than a century of expertise and more than 500 Risk Control consultants, Travelers has the experience and technical proficiency to help businesses manage their risks.
Claim
Our knowledgeable Claim professionals will respond to your needs with speed, compassion, integrity and professionalism. It's our business to help keep you in business.
MORE PREPARE & PREVENT
Insights to help you manage risks at work and on the road
Resources for Technology
5 Ways Public Entities Apply Smart Tech to Enhance Transportation
The technologies being deployed to improve transportation systems present public entities with new risks.
![Person parking smart bike, as part of smart city transportation.](https://asset.trvstatic.com/images/assets/person-parking-smart-bike-as-part-of-smart-city-transportation.jpg/Zz1iYjEzYTI0MDFiNmMxMWVkOGJkMjhlZTJiMDdmODZlMQ==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiYmIxM2EyNDAxYjZjMTFlZDhiZDI4ZWUyYjA3Zjg2ZTEiXSwiZXhwIjoxNjc1MzQ0MTk1fQ.L8NBs4B0yPviYG7gA4J3NTvAf0yeMxfC6Motn05uk-M)
Resources for Technology
5 Ways Cities, Municipalities and Other Public Entities Use Smart Tech for Public Safety
Smart streetlights and predictive policing are two ways smart technology is used for public safety. Explore smart tech for public safety.
![Person looking at multiple monitors using smart city technology.](https://asset.trvstatic.com/images/assets/person-looking-at-multiple-monitors-using-smart-city-technology.jpg/Zz1kNTNjNGVkYTcyNGYxMWVkODUzNTE2ZmQ5ODQyZjUzNw==)
Risk Insights for Public Entities
How Counties and Municipalities Can Reduce Their Total Cost of Risk
Learn practical ways to identify, manage and control risks and losses for public entities with Travelers.
![Exterior of a municipal building, outdoor view.](https://asset.trvstatic.com/images/assets/exterior-of-a-municipal-building-outdoor-view.jpg/7cb4f70885f011edbb608235be3117bc)