Copeland Insurance

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Municipality insurance provides coverage for cities and towns.

Protect your hometown with municipal insurance.

Managing a city or township comes with its own unique set of risks.

Unlike most businesses, municipalities must oversee multiple properties such as administrative offices, school buildings, public works depots, and more. Each property has different risks depending on the activities conducted, the visitors, and the furniture, machinery, and materials present.

Essential coverages for municipalities.

Consider the variety of employees within a city or township, from clerical staff and maintenance workers to law enforcement and first responders. Each group has specific liability and workers’ compensation needs. Employment Practice Liability Insurance (EPLI), along with abuse and molestation policies, are also crucial for municipalities.

Here are some specific coverage options to consider for your municipality insurance policy:

– Abuse and Molestation Liability
– Commercial Property
– Earthquake
– Flood
– Law Enforcement Liability
– Public Officials Liability
– Sewer Authority Liability
– Workers’ Compensation

Protecting What Your Community Relies On

Municipalities are often responsible for essential utilities like sewer, water, and electricity. These services come with risks such as environmental hazards, contamination, supply failures, and equipment breakdowns. It’s crucial to have insurance coverage that addresses these specific risks.

Tailored Coverage Options for Your Municipality

While municipalities have unique coverage needs beyond typical businesses, they also face common risks that require standard business insurance. Important coverages to consider include cyber liability, general liability, employee dishonesty, and fleet insurance. Each municipality is different, so it’s vital to find insurance solutions tailored to your community’s specific needs.

Interested in learning how municipality insurance can protect your community? Contact us to discuss your risks, insurance needs, and explore your coverage options.

Property Insurance

Risk Factor

Your township building is susceptible to many perils throughout the year such as wind, rain, collapse, fire, and smoke. When significant damages to the building occur, how will you replace the building and its contents to continue servicing the township?

Solution

Property insurance can help protect the property your township owns or leases, including things like equipment, supplies, furniture, and fixtures. Whether you own your building or lease your workspace, property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Law Enforcement Liability

Risk Factor

Having a municipal police force has many areas of liability, especially in today’s legal environment. Police can be held liable or sued for wrongful detention, police brutality, and other accusations. Unfortunately, these claims normally carry a high dollar value.

Solution

Law enforcement liability provides coverage for the municipality and its police officers for allegations that may arise from an officer’s actions. This coverage can also include a line of duty accidental death coverage and a moonlighting endorsement.

General Liability Insurance

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen on municipal property. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity. It provides broad coverage when the municipality is deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Public Officials Liability

Risk Factor

Any municipality that has elected public officials or governing boards (park boards, historic boards, etc.) has exposure for the financial and other decisions the boards make, which affect the entire population of that municipality.

Solution

A municipality can be held liable for wrongful acts and decisions made by elected public officials and governing boards and will need to defend against such allegations. Having a liability policy that can protect against these risks is essential. This can also include employment practices liability as well.

Sewer Authority

Risk Factor

If a municipality runs the community sewer and wastewater plant, it can be exposed to many risks such as failure to supply, water contamination, notification expenses, and others.

Solution

A sewer authority coverage liability form can cover the professional activities that go along with managing a wastewater treatment facility. Some forms include errors and omissions, failure to supply utilities, and other necessary coverages such as equipment breakdown for the facility.

Sewer Authority

Risk Factor

If a municipality runs the community sewer and wastewater plant, it can be exposed to many risks such as failure to supply, water contamination, notification expenses, and others.

Solution

A sewer authority coverage liability form can cover the professional activities that go along with managing a wastewater treatment facility. Some forms include errors and omissions, failure to supply utilities, and other necessary coverages such as equipment breakdown for the facility.

Abuse and Molestation

Risk Factor

There are hundreds of reports each year of children being sexually abused by adults. This exposure is excluded from the standard general liability policy form.

Solution

Obtain the proper abuse and molestation coverage to protect the municipality from the possibility of significant financial loss in the event of an allegation. In addition, have written documentation within the municipality to address how to prevent sexual abuse from happening, how to report it to authorities, and what to do in an event of an allegation.

Municipality insurance offers coverage for cities and towns.

Find Your Coverage

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