Binding restrictions for select products are in place in parts of CO due to wildfires.

Binding Restrictions
Kinsale Insurance Company
2 min read
10/21/2025

Public Official Liability made easy

Public Officials iconWhen Small Cities Need Big Protection,
Trust Kinsale

 

Key Takeaways:

 


 

A broker turned to Kinsale when a city of 2,500 residents was non-renewed following two six-figure claims in just five years. Our underwriter delivered a same-day quote with Public Officials Liability coverage that included EPL—all for a $21,000 premium that met the city’s needs.

Our Public Officials Liability coverages are designed for:

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

This is one example of how our Public Entity Division provides quick, customized solutions, even for accounts that have been non-renewed, are in a difficult legal venue, or have a poor loss history.

Backed by industry expertise, we offer coverages tailored to the unique needs of public officials in small to midsize boroughs, cities, counties, towns, and villages serving populations of 100,000 or less.

Explore our complete line-up of Public Entity solutions, including Law Enforcement Liability, Educator’s Legal Liability, and flexible excess options. EPL can also be included on most Public Entity accounts.

Request a Quote Today!

Explore the Potential for your Public Entity accounts with Kinsale.

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