Municipal & Local Government Insurance
Protecting those who serve the public interest.
Local governments face a complex web of exposures that private businesses don't encounter. From law enforcement liability to public officials decisions, municipalities need specialized coverage that understands the unique challenges of serving the public. We work with carriers who specialize in public entity insurance.
Get a Municipal Insurance Quote
We'll review your entity's operations and provide tailored coverage options
Public Entities We Serve
Cities & Towns
Incorporated municipalities of all sizes
Townships
Township governments and related entities
County Governments
County-level administrative bodies
Special Districts
Water, sewer, park, and utility districts
Public Authorities
Housing, transit, and development authorities
Regional Councils
Multi-jurisdictional planning and service bodies
Coverage Options for Municipalities
Public Officials Liability
EssentialProtects elected officials, appointed officials, and employees from claims of wrongful acts, errors in judgment, misrepresentation, or breach of duty performed in their official capacity.
Learn more about public officials liabilityLaw Enforcement Liability
EssentialSpecialized coverage for police departments including excessive force claims, wrongful arrest, civil rights violations, and pursuit-related incidents.
Learn more about law enforcement liabilityEmployment Practices Liability
EssentialCovers claims from current, former, or prospective employees alleging discrimination, harassment, wrongful termination, or other employment-related issues.
Learn more about employment practices liabilityGeneral Liability
EssentialProtects against third-party bodily injury and property damage claims arising from municipal operations, facilities, and public spaces.
Learn more about general liabilityProperty Coverage
EssentialCovers municipal buildings, equipment, vehicles, and infrastructure against fire, storm, theft, vandalism, and other covered perils.
Learn more about property coverageWorkers Compensation
EssentialRequired coverage for municipal employees injured on the job. Includes coverage for police, fire, public works, and administrative staff.
Learn more about workers compensationCyber Liability
Covers data breaches, ransomware attacks, and cyber extortion. Municipalities are increasingly targeted due to sensitive citizen data.
Learn more about cyber liabilityEquipment Breakdown
Covers sudden breakdown of mechanical and electrical equipment including HVAC systems, water treatment equipment, and traffic signals.
Learn more about equipment breakdownWhat We'll Need to Know
To provide accurate quotes for public entities, carriers typically ask about:
Real-World Claims Examples
Understanding how municipal coverage works when you need it:
Civil Rights Lawsuit
A citizen files a federal civil rights claim against the police department for alleged excessive force during an arrest. Law enforcement liability covers defense costs and potential settlement.
Pothole Injury Claim
A cyclist is injured after hitting an unmarked pothole on a municipal road. General liability covers medical expenses and the resulting lawsuit.
Employee Discrimination Suit
A terminated employee claims they were fired due to age discrimination. Employment practices liability provides defense and covers settlement costs.
Ransomware Attack
Municipal computer systems are encrypted by ransomware, disrupting city services. Cyber liability covers ransom negotiation, data recovery, and notification costs.
Public Officials Decision Challenge
A developer sues the planning commission claiming a zoning denial was arbitrary. Public officials liability covers legal defense regardless of outcome.
Let's Protect Your Community
Municipal insurance requires specialized expertise. Let's discuss your entity's needs and find coverage that protects your officials, employees, and the citizens you serve.
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We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV