Public Entity

Law Enforcement Liability for Departments:

Eligible risks include law enforcement departments for boroughs, cities, counties, townships, and villages serving populations of 100,000 or less. Larger venues may be submitted for underwriting review. Other public safety organizations that we will consider include the following classes:

Target Classes:

• Alcohol beverage control boards
• Building authorities
• Colleges and universities
• Emergency communications
• Housing authorities
• K-12 districts
• Medical facilities
• Parking authorities
• Parks & recreation
• Penal institutions or facilities
• Port and airport authorities

Note: Kinsale considers private security guards through our General Casualty (GL only) and Professional Liability (PL only) Divisions.

Law Enforcement Liability for Individual Officers:

Target Classes:

• Alcohol beverage control boards
• Building authorities
• Colleges and universities
• Emergency communications
• Housing authorities
• K-12 districts
• Medical facilities
• Parking authorities
• Parks & recreation
• Penal institutions or facilities
• Port and airport authorities

Note: Kinsale considers private security guards through our General Casualty (GL only) and Professional Liability (PL only) Divisions.

Minimum premiums start at $425 and increase based on the officer’s role within the department.

Policy Structure:

• Occurrence or Claims-Made and Reported coverage form
• Prior acts coverage can be considered on most claims-made accounts with current coverage in place
• Administrative defense coverage available for Law Enforcement Liability for individual officers
• Most Law Enforcement Liability for individual officers policies will be written with low limits; generally $25,000 per Civil Liability Claim/$25,000 aggregate with $0 deductible
• Customized coverages available