Public Entity Insurance

Public entities are as unique as the inhabitants who occupy them; no two are exactly alike. Chubb understands the varied exposures of local community governments and delivers coverages tailor-made for their unique needs. Chubb provides tailored insurance to a wide variety of public entity communities, such as cities, towns, villages, counties, special districts, commissions, and public entity pools.

Who we serve

Products and Services

Public entity integrated casualty

With a range of endorsements and flexible policy forms, Chubb can customize coverage to meet the specific needs of each client. Designed to provide coverage in excess of a self-insured retention, Chubb’s Primary Retained Limits Policy covers Automobile Liability, General Liability including Law Enforcement Liability and Sexual Abuse Liability, Public Officials and Employment Practices Liability. Chubb’s Excess Follow Form Policy provides capacity for individual and group risks - coverage triggers, defense costs and aggregates apply in the same manner as the underlying coverage. 

Reinsurance

Reinsurance agreements are available for use when Chubb reinsures a municipal pool or group entity. These agreements allow Chubb to customize coverage to align with the Memorandum of Coverage issued by the pool to its members. Chubb also has the flexibility to sign onto broker reinsurance agreements when necessary.

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Chubb Risk Consulting

Increasing globalization, new business models, changing technology, an evolving risk management approach — as you face these challenges, Chubb can craft risk engineering solutions to address your specific risks. Our in-house network of nearly 500 risk engineers around the globe helps companies anticipate and minimize costly exposures.
Prepare and prevent with Chubb Risk Consulting

Our in-house network of nearly 500 risk engineers around the globe will help your business anticipate and minimize costly exposures.

Chubb Risk Engineering Center

Our interactive state of the art facility for the next generation of risk management can help your business reduce the risk of loss

Collaboration with Benchmark Analytics

Benchmark Analytics' evidence-based platform transforms police force management. They use evidence-based research and analytics to help agencies improve officer performance, reduce risks, and achieve better outcomes. Benchmark Analytics’ collaboration with Chubb offers policyholders a discount for Benchmark’s services.

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Recent claim scenario

Chubb resolves automobile claim

A law enforcement officer was involved in a collision while responding to a call for the insured public entity. The collision resulted in a fatality to the other driver.

Chubb worked with the TPA and insureds to reach a settlement.

Resources

Insights and expertise

We keep you informed – and your business protected – with these helpful articles.
vacant commercial real estate building
Trends in commercial real estate
Identifying and mitigating risk in underperforming commercial real estate properties.
lab researchers in cleanroom
Navigating risks in cleanroom environments
While critical in helping materials remain contamination-free, cleanrooms can also pose significant business continuity considerations. Recognizing these and providing suitable protections may reduce the potential and magnitude of a loss event at a life science organization.
nurse assisting elderly woman with cane
Preparing your long-term care facility for emergencies
A comprehensive, up-to-date plan can help mitigate the impact of disasters and infectious diseases.
frozen red pole
Cold weather preparedness for your business
Follow these best practices to prepare for winter weather and help minimize its impact on your facilities.
crowd of protestors
Protecting your business during civil unrest
Learn steps you can take to protect your employees and facilities during uncertain times
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Machinery and equipment breakdown
Boilers, HVAC systems, and pressure vessels contain inherent risks.
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Middle Market Indicator: Performance, Outlook and Dynamics
Read the key findings from the Middle Market Indicator - access the Spring 2025 report now
factory owner talking with manager
Six questions to ask when evaluating claims services for your multinational business
Learn what to look for in an insurer when you do business across borders.

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