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.

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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 backup
Cemetery professional services liability
Professional healthcare 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:

K-12 public schools

Municipalities and counties

Transit authorities

Utilities

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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

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.

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.