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Coverage for a loss that results from the conduct of duties by or for a public entity and is caused by a wrongful act. Wrongful act means any act, error or omission that causes injury to a person or property.
Many insurers try to address public entity exposures by offering a blended insurance product for Public Entity Management Liability (PEML) and Employment Practices Liability (EPL) under one single policy limit. EPL claims tend to have frequency along with severity and can quickly erode your limits of coverage. It is feasible limits for the entity and its public officials could be exhausted by a claim that can easily be insured under another coverage part.
At Travelers, we have designed our primary public entity professional liability form so the PEML limit will solely be available for PEML claims. This keeps your policy limits in-synch with your exposures.
For further information or to purchase Public Sector insurance products and services from Travelers, please contact an independent insurance agent or broker.
If you are interested in becoming a Travelers agent, please visit our Become an Agent page.
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