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Public Entity Package Insurance

McGowan Governmental Underwriters is a leading provider of Package Insurance for Public Entities nationwide.

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A.M. Best “A” Rated

Eligible Classes

Municipalities: Cities, Towns and Villages with Populations Under 100,000
Counties: with Populations 100,000 or under
Special Purpose Districts: Water, Sewer, Park, & Fire

Territory

Ohio, Pennsylvania, Indiana, Illinois, Michigan, Kentucky, Georgia, & South Carolina

Available Coverages

Public Officials Liability

Coverage for Wrongful Acts of Public Officials / Board Members Past and Present
Zoning & Licensing/Permitting Issues

General Liability

Occurrence Form
Employee Benefit Liability
Sexual Harassment, Sexual Abuse, Molestation
Blanket Additional Insureds

Employment Practices

Coverage for Wrongful Employment Acts
Provides for EEOC Defense Costs
Back Wages Coverage Provided
Provides for Non-Monetary Defense Costs
Defense Costs Do Not Reduce Policy Limits

Property

Building & Contents
Inland Marine
Crime
Flood & Earthquake

Auto Liability & Physical Damage

Fellow Employee Coverage
Hired/Non-Owned Vehicles
Emergency Vehicles
“Hot Pursuit” Coverage
Replacement Cost Coverage on Emergency Vehicles
Fleet Automatic Coverage
• Agreed Amount or Replacement Cost Coverages Offered

Law Enforcement Liability

Coverage for Wrongful Acts of Law Enforcement Officers
Civil Rights Violations
Canine/Equine Exposures
False Arrest

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