Public Entity Coverages Tailored for Your Needs

Government entities continually explore coverage and risk management alternatives due to budget and funding constraints. Our underwriters possess the experience and dedication to help provide needed coverages, as well as control insurance costs. By researching coverage trends, loss control methods and other insurance services, BHHC is able to offer an industry-leading Public Entity product.

The BHHC Public Entity product offers the following insurance options*:

Property
  • Blanket insurance on buildings and business personal property
  • Agreed value insurance
  • Replacement cost coverage
  • Special causes of loss
  • Governmental Property Enhancement endorsement
  • Building ordinance or law coverage
  • Increased cost of construction coverage
  • Demolition cost overage
  • Extra expense coverage
  • Equipment breakdown (boiler and machinery)
  • Various deductible options
Inland Marine
  • Contractors equipment
  • Data processing equipment, software and media
  • Accounts receivable
  • Valuable papers
  • Tool floaters
  • Towers and antennas
  • Fine arts
  • Various deductible options
Crime and Fidelity
  • Money and securities coverage
  • Public employee dishonesty coverage
  • Depositors forgery
Workers Compensation
  • Statutory Workers Compensation insurance
  • Employers’ Liability limits (up to $1,000,000 each accident, $1,000,000 policy limit, $1,000,000 each employee)
Automobile
  • Liability limits (up to $1,000,000 per occurrence)
  • Employees as additional insureds
  • Fellow employee exclusion waived
  • Uninsured and underinsured motorist coverages
  • Hired and non-owned auto liability
  • Hired auto physical damage
  • Personal deductible reimbursement for employees
  • Various physical damage deductible options
  • Commandeered auto coverage
  • Replacement cost available for fire trucks
  • Freezing coverage for fire trucks and equipment
  • Garagekeepers legal liability for impounded vehicles
General Liability
  • Limits (up to $1,000,000 occurrence, $2,000,000 aggregate)
  • Premises medical payments
  • Employee benefits liability (up to $1,000,000 limit)
  • Streets and roads existence hazard
  • Independent contractors coverage
  • Volunteers as additional named insureds
  • Legal liability coverage for sexual abuse claims
  • Professional liability for Emergency Medical Technicians (no deductible)
  • Coverage for 911 services
  • Legal liability coverage for sewer backup claims
  • Special events coverage (parades, fairs, 4th of July)
Public Officials Errors & Omissions
  • Broad form to cover public officials wrongful acts
  • Limits (up to $1,000,000 each claim, $2,000,000 aggregate)
  • Claims-made coverage available
  • Defense costs outside limits
  • Flexible retro date options
  • Professional liability covered for employed attorneys
  • Various deductible options
  • Defense for zoning actions
Law Enforcement Liability
  • Broad form, specifically designed for law enforcement agencies and employed officers
  • Limits (up to $1,000,000 per occurence, $2,000,000 aggregate)
  • Both occurrence and claims-made available
  • Defense costs outside limits
  • Flexible retro date options
  • Various deductible options
  • Moonlighting and K-9 coverages available
Employment Practices Liability
  • Protection for discrimination, sexual harassment, wrongful termination, etc.
  • Covers full-time and part-time employees
  • Choice of co-pay or flat deductible on claims-made coverage
  • Limits (up to $1,000,000 per occurrence, $2,000,000 aggregate)
  • Flexible retro date options
Umbrella Liability
  • Limits (up to $5,000,000 available)
  • Covers over Auto, General Liability, Errors & Omissions (E&O), Law Enforcement Liability, Employment Practices Liability, Employers’ Liability, and Employee Benefits Liability

*Not all coverages available for all policies

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