Public Entity

If you're looking for a good business opportunity, perhaps it's time to go public. Our Public Entity Portfolio program offers a wide range of options including: Property, General Liability, Auto, Law Enforcement, Public Officials, Employment Practices, Emergency Dispatchers, Firefighters Professional, and Umbrella/Excess.

Prohibited Business could still be considered, please give us a call.

About Our Agency

Insurance Markets is a full service wholesaler exclusively serving retail insurance brokers for Pennsylvania and New Jersey insureds.

General description of coverages available in most states.

Property:

  • Buildings and Business Personal Property
  • Business Income/Extra Expense
  • Business Personal Property off Premises/In Transit
  • Newly Acquired Premises
  • Building Ordinance - A, B, & C
  • Outdoor Property
  • Arson Reward
  • Change in Temp/Elect
  • Commandeered Property
  • Lock Replacement
  • Underground Water Seepage
  • Fire Department Charges
  • Personal Effects
  • Debris Removal
  • Inventory/Appraisal Cost
  • Inside/Outside Glass
  • Pollution Cleanup
  • Underground Sprinklers
  • Flood - available by endorsement
  • Earthquake - available by endorsement

Crime:

  • Employee Dishonesty
  • Money and Securities

Inland Marine:

  • Accounts Receivable
  • Valuable Papers
  • Contractor's Equipment
  • Grounds Maintenance Equipment
  • Non-Owned Emergency Equipment
  • EDP
  • Fine Arts

Equipment Breakdown Coverage:

  • Can be added to property coverage by endorsement

Auto:

  • Business Auto Liability
  • Uninsured/Underinsured Motorists
  • Auto Medical Payments
  • Personal Injury Protection
  • Auto Physical Damage
  • Replacement cost available for emergency vehicles
  • Hired car physical damage

General Liability:

  • Fire/Lightning/Explosion Legal
  • Bail Bond Coverage
  • Bodily Injury includes Mental Anguish
  • Reasonable expenses + $1,000 loss of earnings for insured to testify
  • Blanket additional insureds included at no charge
  • Modified notice of occurrence is included
  • Liquor liability included for short term events
  • Professional coverage for EMTs/Paramedics built into the policy
  • Good Samaritan coverage
  • Watercraft to 51 ft.
  • Modified engineers and architects wording is included
  • Employee benefits liability is included
  • Volunteers are included as insureds

Law Enforcement Liability:

  • Covers:
    • Civil rights, personal injury, and general liability claims
    • Insured vs. insured suits
    • Approved moonlighting
    • Mutual aid contracts
  • Occurrence or claims made coverage available
  • Duty to defend
  • Defense provided in addition to the policy limits
  • Punitive damages are not excluded (except where required by law)
  • Extensions:
    • Consent to Settle
    • Additional Insured
    • Line of Duty Death Coverage

Emergency Dispatchers Liability:

  • Covers bodily injury, property damage, personal injury, and wrongful acts committed within the scope of emergency dispatching services
  • Occurrence coverage
  • Specifically designed for stand-alone 9-1-1 centers
  • Duty to defend
  • Defense provided in addition to the policy limits
  • Extensions:
    • Consent to Settle
    • Additional Insured
    • Services Performed for Private Entities Coverage
    • Fire Legal Liability

Public Officials Liability:

  • Covers:
    • Errors and omissions, breach of duty, and civil rights claims
    • Insured vs. named insured suits
  • Claims made or claims made and reported coverage available
  • Duty to defend
  • Defense provided in addition to the policy limits
  • Punitive damages are not excluded (except where required by law)
  • Awareness provision
  • Extensions:
    • Consent to Settle
    • Land Use Planning and Zoning

Employment Practices Liability:

  • Covers any act, omission, or policy attributable to anyone's employment or application for employment, including employment discrimination and wrongful termination
  • Claims made coverage
  • Duty to defend
  • Defense provided in addition to the policy limits
  • Separate from Public Officials Liability coverage and has own limits
  • Extensions:
    • Consent to Settle
    • Extended Employment Practices Liability Coverage Options:
      • Back Wages
      • Mental Anguish/Emotional Distress/Personal Injury
      • Non-Monetary Damages

Firefighters Professional Liability:

  • Covers errors and omissions, breach of duty, and civil rights claims
  • Defense expense for injunctive relief
  • Claims made coverage
  • Duty to defend
  • Defense provided in addition to the policy limits
  • Extensions:
    • Line of Duty Death Coverage

Umbrella/Excess Liability:

  • Limits up to $10,000,000 available
  • $10,000 SIR
  • Combined umbrella over auto liability/general liability/professional
Effective Date: 03/30/2018