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:
- 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
Public Officials 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, or workers’ compensation.
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
Educator’s Legal Liability Including E&O:
Eligible risks include charter schools, college and universities, for-profit schools, K-12 school districts, nonprofit schools, religiously-affiliated schools and trade and vocational schools with 5,000 students or fewer. Larger educational institutions may be submitted for underwriting review.
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
