Public sector insurance services — Public Entity Management Liability (PEML) insurance

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.

Key coverage features

  • "Pay on behalf of" basis
  • Defense for claims or suits alleging criminal, malicious, dishonest or fraudulent conduct until determinations or admission of such conduct in a legal proceeding
  • Employed professionals such as lawyers, architects, engineers and accountants are not specifically excluded for their professional services
  • Coverage for violation of third party civil rights
  • Defense expenses are paid outside/in addition to the limits of coverage
  • Extended reporting period endorsement available (claims-made)

Optional features/coverages

  • Claims-made form (occurrence form available in select areas)
  • Prior acts coverage over previous carriers (claims-made)

Risk control services

  • Travelers has partnered with LocalGovU to provide web-based training for public sector entities.

For further information or to purchase Public Sector insurance products and services from Travelers, please contact an independent insurance agent or broker.

Travelers agents can visit Agent HQ SM for exclusive content. If you experience any difficulty logging in, please email agenthq@travelers.com or call Agency Automation at 800.842.2522.

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