PUBLIC OFFICIALS LIABILITY INSURANCE

Protect Those Who Serve Your Community.

Public Officials Liability Insurance helps protect elected and appointed officials, employees, and volunteers when making decisions on behalf of your organization.

From board meetings to day-to-day operations, we help public entities across New York manage risk and navigate claims with confidence.

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Experienced advisors.

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Competitive rates.

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Local government specialists.

Public service comes with responsibility. The right protection brings peace of mind.

We help protect your leaders, staff, and organization from allegations of wrongful acts in the performance of their duties.

What Public Officials Liability Insurance Covers

Wrongful Acts

Helps protect against claims alleging errors, omissions, or negligent acts in the performance of official duties.

Civil Rights Claims

Covers claims alleging discrimination, harassment, retaliation, or violations of constitutional rights.

Employment Practices

Helps protect against claims related to hiring, firing, discipline, and other employment decisions.

Defense Costs

Helps cover legal defense costs, even if the claim is groundless, false, or without merit.

Board & Committee Actions

Provides protection for decisions made during meetings, votes, and policy discussions.

Broad Coverage Options

Coverage options may include entity protection, employee benefit liability, wrongful acts coverage, and crime protection.

Who We Protect

  • Elected Officials (Mayors, Council Members, Supervisors, Trustees)
  • Appointed Officials and Board Members
  • Employees
  • Volunteers
  • Commissions and Authorities
  • School Boards and Board of Education Members
  • Public Entities and Government Organizations

Key Benefits of Public Officials Liability Insurance

Helps safeguard personal assets from costly claims
Attracts and retains qualified individuals to serve your community
Supports confident decision-making in the best interest of the public
Provides broad protection for a wide range of alleged wrongful acts
Backed by financially strong insurance carriers

Public Entities We Serve

Manufacturing
Healthcare
Food & Beverage
Hospitality
Educational
Institutions
Data Centers
Commercial
Real Estate
Municipalities

Real-World Scenarios. Real Protection.

Fire Damage

Board Decision Challenged

A decision made during a public meeting leads to a lawsuit alleging mismanagement. Coverage helps protect your leaders and organization.

Theft

Employment Dispute

A former employee files a claim alleging wrongful termination or discrimination. Coverage helps with legal defense costs.

Business Interruption

Civil Rights Allegation

A resident alleges a violation of constitutional rights by a public official. Coverage helps protect your organization from covered claims.

Customer Injury

Policy or Program Dispute

A public policy decision results in a claim alleging harm or improper action. Coverage helps protect those who serve your community.

Why Choose Eastern Insuring Agency?

We specialize in Public Officials Liability Insurance solutions for public entities across New York.

We proudly serve organizations throughout:

Adirondack Region
Capital Region
Hudson Valley
Mohawk Valley
Western New York
Lake Placid
Long Island
New York City
Throughout New York State

Local advisors. Strong relationships. Smarter coverage.

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Frequently Asked Questions

What is Public Officials Liability Insurance?
Down Arrow

Public Officials Liability Insurance helps protect public entities, elected officials, and employees from claims alleging wrongful acts made while performing official duties.

Who should have Public Officials Liability Insurance?
Down Arrow

This coverage is designed for municipalities, school districts, public authorities, boards, commissions, and other government organizations.

Does coverage protect volunteers?
Down Arrow

Yes. Many policies extend coverage to volunteers, board members, and appointed officials acting within the scope of their responsibilities.

Are employees covered under this policy?
Down Arrow

Yes. Coverage can include employees, officials, and board members for covered claims arising from their official duties.

What types of claims are covered?
Down Arrow

Policies may cover wrongful acts, civil rights allegations, employment practices claims, legal defense costs, and other covered liabilities.

Can coverage be customized for our entity?
Down Arrow

Absolutely. Coverage can be tailored to match your organization's size, responsibilities, exposures, and budget.

Protect Your Leaders. Protect Your Community.

Our experienced advisors help you find the right Public Officials Liability Insurance coverage to protect your organization and the people who lead it.

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Our Locations

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Amsterdam

2 Guy Park Avenue
Amsterdam, NY 12010
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Carmel

72 Gleneida Avenue
Carmel, NY 10510
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Malone

7 Rockland Street, Suite A
Malone, NY 12953
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Plattsburgh

1645 Military Turnpike Hwy
Plattsburgh, NY 12901
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Eastern Insuring Agency is licensed to provide insurance services in New York State. Coverage is subject to underwriting guidelines and policy terms.
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