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.

Call your MJ Hall branch office.

About Our Agency

DEPENDABILITY MATTERS

For over thirty years M.J. Hall & Company, Inc. has earned a name for dependable surplus lines insurance, as well as one of California's most experienced general agents. The M.J. Hall team of insurance professionals sets the standards for customer service, product knowledge and reliability. Together with M.J. Hall's subsidiaries, a California domiciled insurance company and a fully licensed insurance adjusting firm, you can depend on us for the highest quality service, professionalism and a long successful track record of dependable experience.

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: 04/29/2014