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 consulting 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.
Services for Public Entity

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.

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

Protecting property from dynamic risk

As climate events increase in frequency and intensity, businesses, communities and homeowners are confronted with ever-increasing challenges and critical decisions. Chubb Resilience Services offers comprehensive solutions to help decision-makers understand their exposure to physical climate risk, how it will evolve over time, and what can practically be done to mitigate against that risk.

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.
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Middle Market Indicator Fall Update: Middle Market Leaders Navigate an Evolving Risk Landscape
This mid-year update, based on the MMI survey fielded in June 2025, explores leaders’ views on risk exposures and readiness.
business woman leading meeting around conference table
Middle Market Indicator Fall Update: Uncertainty weighs on Middle Market leaders
This mid-year update, based on the MMI survey fielded in June 2025, spotlights executives’ views on business challenges, growth drivers and economic outlook.
lab experiment
Design, risk management, and operational considerations for vivaria facilities
Animal research facilities are complex sites, requiring detailed design and stringent operational requirements. These facilities vary significantly in size and scope, ranging from farm-type buildings to complex and modern structures.
A man in a lab coat examines a sample through a microscope in a laboratory setting.
Ensuring compliance and quality: A comprehensive guide to FDA’s Corrective and Preventive Actions (CAPA)
According to the U.S. Food and Drug Administration (FDA), corrective and preventive actions (CAPA) aims to collect and analyze information, identify and investigate product and quality problems, and take appropriate and effective corrective and/or preventive action to prevent recurrence.

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