Darwin : Public Officials Professional Liability Coverage

Public Officials Professional Liability

Eligible Risks

Municipal Government Entities

Cities
Towns
Townships
Boroughs
Villages
Counties
Other municipal authorities

Special Service Districts or Commissions (limited purpose governmental units), including but not limited to those districts or commissions rendering services relating to:

Preferred Types

Agriculture

Pest control, irrigation, land reclamation

Board of Elections
Economic development

Special tax assessment, community renewal

Environmental protection

“Clean water” districts, soil conservation, air pollution control, aquifer protection, wildlife conservation

Housing authorities (2,500 units or less)
Library services
Parks and recreation
Public health

Sanitation, public cemetery, hospitals, clinics, nursing homes or other emergency health or social services, alcohol beverage control boards

Public safety

Emergency communications, flood control and drainage, fire protection

Transportation

Airport authorities, transit authorities, highway, road and bridge and other infrastructure development

Selectively Underwritten

Economic development

Cultural arts, stadium and convention facility development; industrial development

Housing authorities (>2,500 units)
Port districts
Public utilities (gas; electric; water / sewer / solid waste disposal)
Other metropolitan services

Limits

Up to $5 million for E&O / EPL

Features & Highlights

Defense Expenses outside the limits for E&O, EPL and Third-party Liability claims, other than those seeking non-monetary relief
Defense expense coverage for full policy limit for claims seeking non-monetary relief
Broad definition of Public Officials Wrongful Act also provides coverage for Personal Injury and liability arising out of violation of civil rights under federal, state or local law
Supplementary Payments coverage, in addition to the limit, for loss of earnings resulting from investigation or defense of claim
Broad definition of Employee for inclusion as an insured
Broad definition of Claim, including certain administrative or regulatory proceedings
Covered Loss includes pre-judgment and post-judgment interest
Coverage for punitive damages available by endorsement
Coverage provided for incidents that are reported during policy that eventually result in claim after policy expiration, without the need to purchase tail (incident sensitive form)
Reporting of actual claims allowed for 75-days after policy expiration, without the need to purchase tail
Bilateral ERP with options for 1, 2 and 3 years
Severability of Insureds with respect to statements in the application
Worldwide territory, provides coverage for claims brought outside the U.S.
Non-cancellable by Insurer, except for failure to pay premium

Geographic Restrictions

None; written on a surplus-lines basis countrywide.
Admitted product available in selected states.

Submission Requirements

Coverage is offered on a program basis through Professional Governmental
Underwriters, Inc. (PGU). Eligible risks may be submitted to:

Ned Daly
V 800 586 6502
F 804 272 7852
E ndaly@pgui.com
9020 Stony Point Parkway
Suite 455
Richmond, VA 23235

Darwin Professional Underwriters, Inc.
9 Farm Springs Road, Farmington, CT 06032

V 860-284-1300 | F 860-284-1301 | E info@darwinpro.com