RF Ougheltree Insurance

Public Entities

Public Officials & Entities Liability insurance is a broad management, professional and employment practices liability insurance policy designed to address the substantial liability exposures of all public entities, elected and appointed public officials, employees and volunteers from alleged or actual acts of negligence in the course of executing their duties as members of a public entity.

Exposure to litigation covers a broad range of issues that includes contract disputes, mismanagement or improper administration of funds, grants or budgets, and improper granting or denying of franchises, business and building permits or licenses.  Other legal challenges include land use and zoning approvals or denials as well as alleged failure to properly insure, attend meetings or to examine documents.

A leading cause for litigation against public entities and officials involves discrimination in selecting, promoting, disciplining or dismissing employees.

Eligible Accounts:

No restrictions.  Coverage is developed for risks that are experiencing a range of situations including insurance company cancellations or non renewals due to unfavorable claims experience.

Comprehensive insurance protection is needed by cities, towns, villages, townships, boroughs, counties and authorities. 

Also at risk are special service districts, boards and commissions or other units operating by and under the jurisdiction of the public entity.  These entities are diverse and include:

  • Conservation, Irrigation and Drainage
  • Fire Protection
  • Sanitation
  • Water and Sewer
  • Library
  • Housing and Community Development
  • Park and Recreation


Negotiating the correct coverage for the desired level of protection can be involved and require various carriers and policy forms. 

As specialists of Management and Professional Liability insurance, RFO develops a variety of protection options for public entities. We welcome you to contact a staff broker to discuss a particular risk.

  • Admitted and non-admitted insurance companies
  • Traditional Primary and Excess coverage
  • *Side A Excess Difference-In-Conditions coverage for preserving personal liability coverage when the company:
    • fails or refuses to indemnify a director or officer.
    • is sued along with the directors and officers, and the D&O policy limits are eroded or consumed by the policy's entity coverage.
    • is financially unable to indemnify its directors and officers against claims made against them.
    • is prevented by law (domestic or international) from indemnifying its directors and officers for the particular claim at issue.

   [*Applicable to accounts that are written on a traditional D&O form]

  • Limits vary by account. High limits available for large risks.


New Business Application

Other Coverages:

All or most other coverages that comprise the Hull & Company, Inc. (RFO) practice are appropriate. Contact a staff broker to discuss a particular account.