Does a standard liability policy cover the decisions made by our board members?

No, standard general liability usually excludes professional "wrongful acts." You typically need Public Officials Liability (Errors and Omissions) to protect your leadership from claims regarding their official decision-making.

Are our volunteers covered under our agency’s policy?

In many cases, volunteers can be included as "insureds" under your liability and workers' compensation frameworks, but it often requires specific policy language. We can review your current plan to ensure your volunteer workforce is protected.

How does Cyber Liability protect a municipality?

It helps cover the costs of notifying citizens of a breach, legal fees, data recovery, and even public relations efforts to restore trust in the event that government systems are compromised.

Public Entity Insurance | London Insurance Agency & Insurance Service Center

Protecting a public institution requires a unique blend of specialized knowledge and community-focused service. At London Insurance Agency & Insurance Service Center of SE KY, we recognize that public entities, from municipal governments and school districts to utility boards, face a distinct set of liabilities and risks. Since 1922, we have served as a trusted partner for organizations in Kentucky, Tennessee, and across the Tri-County area, ensuring that the tax dollars and infrastructure our community relies on remain secure.

As an independent, family-owned agency, we don’t answer to a single corporate provider; we answer to you. Our licensed professionals have access to a network of top-rated carriers specializing in the public sector. This allows us to compare complex policies and deliver a solution that offers superior protection while remaining fiscally responsible to your budget. We work to build a stable foundation for the essential services you provide to our neighbors every day.

Public entities operate under a microscope, and standard commercial policies often fall short of meeting statutory requirements. Our agents provide expert guidance on specialized endorsements, such as Law Enforcement Liability for local police departments or Special Event Coverage for community festivals and parades.

We also understand the environmental and geographical risks specific to our region. Whether it’s assessing the need for specialized flood coverage for municipal property or ensuring your workers' compensation plan is optimized for public works employees, we offer the local insight necessary for true financial security. By bundling your various coverages under one managed plan, we help you streamline administration and maximize the value of your insurance spend.

We believe that insurance is a partnership, not just a transaction. When a claim arises or a legal challenge is mounted against your entity, you need a team that understands the nuances of public risk. Our experienced agents advocate on your behalf, coordinating with carriers to ensure claims are handled with the efficiency and transparency the public expects.

As your community grows and your services evolve, whether you are breaking ground on a new park or upgrading your utility infrastructure, we are here to adjust your coverage to match. You can rely on London Insurance Agency & Insurance Service Center of SE KY to protect the institutions that make our region a great place to live.

Does a standard liability policy cover the decisions made by our board members?
No, standard general liability usually excludes professional "wrongful acts." You typically need Public Officials Liability (Errors and Omissions) to protect your leadership from claims regarding their official decision-making.
Are our volunteers covered under our agency’s policy?
In many cases, volunteers can be included as "insureds" under your liability and workers' compensation frameworks, but it often requires specific policy language. We can review your current plan to ensure your volunteer workforce is protected.
How does Cyber Liability protect a municipality?
It helps cover the costs of notifying citizens of a breach, legal fees, data recovery, and even public relations efforts to restore trust in the event that government systems are compromised.