Public Entity

Kinsale’s Public Entity Division targets small-to-midsize Educational Institution, Law Enforcement, and Public Official risks. We can consider larger accounts on an individual risk basis. Our underwriters specialize in hard-to-place insureds, including those that have been non-renewed, are in difficult legal venues, have poor loss history, or are first-time insurance buyers. Primary and excess coverage is available.

Law Enforcement:

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: company is not a market for private security guards.

Public Official Liability:

Eligible risks include boroughs, cities, counties, towns, and villages serving populations of 100,000 or less. Larger venues may be submitted for underwriting review. Separate from these governmental localities, we will consider the following classes:

Target Classes:

  • Commissions
  • Parks & recreation departments
  • Special boards
  • Special districts
  • Special purpose government units (e.g.: water/sewer districts)
  • Other types of public entity risks

Note: company does not write Automobile, General Liability, workers compensation, and/or self-insured entities.

School Board Liability including E&O:

Eligible risks include charter schools, college and universities, for-profit schools, K-12 school districts, nonprofit schools, and trade and vocational schools with 5,000 students or fewer. Larger educational institutions may be submitted for underwriting review.

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: company is not a market for private security guards.
Minimum premiums start at $425 and increase based on the officer’s role
within the department.

Policy Structure:

  • Claims-Made and Reported coverage form; Occurrence form available on Law Enforcement risks
  • Employment Practices Liability (EPL) included on most Educational Institution and Public Entity accounts; not available for Law Enforcement classes
  • Prior acts coverage 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

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