Who needs this coverage?

This protection is needed by any municipal governmental entity including, but not limited to, cities, towns, townships, boroughs, villages, authorities, special service districts and commissions. All persons who were, now are, or shall be lawfully appointed officials of the public entity, should have this coverage. Also at risk are members of commissions, boards or other units operating by and under the jurisdiction of the public entity and all employees and volunteers of such public entities.

 

For someone who is in the above group, what are the risks?

Suits can be brought against you for discrimination in selecting, promoting, disciplining or dismissing employees. Mismanagement of, or improper administration of, funds, grants, or budgets and improper granting or denying of franchises, permits or licenses are other targets of recent litigation. Zoning approvals or denials are also exposures. There is also an exposure to claims against failure to protect public trust, including failure to properly insure, attend meetings or to examine documents. It seems as if there's nothing about public service that is not at risk.

A significant portion of the workforce is employed by some type of governmental entity whose purpose is to provide certain services. All decisions made by public officials, regarding business and building permits, zoning, employment practices and many seemingly unimportant everyday activities carry the potential of a devastating lawsuit. A need has arisen for a policy that covers both the liability of the public entity itself and the liability of the individuals who act on behalf of the entity. With the increasing number of suits and the large awards being made, you need protection from financial loss.

The leading causes for litigation today stem from employee dismissal, discrimination, land use and contract disputes. PGU will put together a Public Officials program that meets your specific requirements. PGU programs cover actions or decisions alleging financial loss or the violation of civil rights, and cover legal fees incurred in the defense of the entity or public official.

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