This product is specially designed for law enforcement agencies of cities, towns, townships, counties, Native American tribes, school districts, and other non-profit public entities. We have a wide array of limit options to help meet help meet your customers’ needs through our carrier partner.

Coverage Highlights:

• Occurrence or claims made form
• Pay on behalf
• Duty to defend
• Defense costs in addition to the limits of liability
• Authorized “moonlighting” coverage
• Broad definition of insured to include the entity, officials, and all law enforcement personnel represented on the app
• Punitive and exemplary damages – where insurable by law
• $5 million limits available
• SIR or deductible option for retentions equal to or greater than $100k
• Coverage available in all 50 states
• Admitted paper available in NY and NJ

Loss Control:
Professional liability claims are a concern to public entities both in terms of frequency and severity. The best way to control such costs is to avoid claims and be in a defensible position when allegations of wrongdoing arise.

We work with knowledgeable, independent loss control consultants to conduct on-site loss assessments to better serve our customers’ needs and concerns for loss prevention. These consultants are available to work with you to better help serve loss control and loss containment tactics to mitigate the costs to you and your carrier.

Typical Law Enforcement claims include:

• False arrest
• Excessive force
• Detention facility claims
• Malicious prosecution
• Wrongful search and seizure
• Assault and battery

Law Enforcement Legal Liability Application

Note: Forms and endorsement are available upon request.

This line of coverage is specially designed for cities, towns, townships, counties, tribal risks, special service districts and other non-profit public entities. We have a wide array of limit options to help met the needs of your customers needs through our partner carrier. Due to the ever-changing legal landscape, we want to provide our Insureds with customized options to help them protect themselves from possible lawsuits.

Coverage Highlights:

• Claims made form
• Full prior acts available
• Pay on behalf
• Duty to defend
• Defense costs in addition to the limits of liability
• No exclusion for back wages
• Policy includes defense for non-monetary employment-related claims
• Broad definition of Insured to include the entity, elected and appointed officials, and all personnel represented on the application
• Punitive and exemplary damages – where insurable by law
• $5 million limits available
• SIR or deductible option for retentions equal to or greater than $100k
• Coverage available in all 50 states
• Admitted paper available in NY and NJ

HR Risk Management:
As part of our mission to provide industry-best service to our eligible public entity and educational institution clients, we have partnered with Zywave, a human resource risk management firm, to deliver strategic, client-centric engagement solutions designed to assist with HR, employment law, and ongoing employee issues. The PRU-TX Self Service Portal serves as a warehouse of a vast array of employment related tools and resources.

Typical Public Officials claims include:

• Wrongful termination
• Discrimination
• Failure to hire
• Violation of civil rights
• Land use & zoning issues

Public Officials Liability Application:

Note: Forms and endorsements are available upon request.

This line of coverage is specially designed for non-profit educational institutions, including: public and private K-12, charter schools, vocational-techs, junior colleges, universities and other non-profit institutions. We have a wide array of limit options to suit your clients’ needs through our carrier partner.

Coverage Highlights:

• Claims Made form
• Pay on behalf
• Duty to defend
• No exclusion for back wages
• Third Party sexual abuse and molestation (inquire as to availability)
• Policy includes defense for non-monetary employment-related claims
• Broad definition of Insured to include the named institution, elected and appointed officials, and all personnel represented on the application
• Punitive and exemplary damages – where insurable by law
• Defense costs in addition to the limits of liability
• $5 million limits available
• SIR or deductible option for retentions equal to or greater than $100k
• Coverage available in all 50 states
• Admitted paper available in NY and NJ

HR Risk Management:
As part of our mission to provide industry-best service to our eligible public entity and educational institution clients, we have partnered with Zywave, a human resource risk management firm, to deliver strategic, client-centric engagement solutions designed to assist with HR, employment law, and ongoing employee issues. The PRU-TX Self Service Portal serves as a warehouse of a vast array of employment related tools and resources.

Typical Educators Legal claims include:

• Wrongful termination
• Employment discrimination
• Failure to educate
• Violation of civil rights

Educators Legal Liability Application:

Note: Forms and endorsements are available upon request.

This line of coverage is specially designed to support public entity and educational pooling organizations.

Coverage Highlights:

• Claims made of occurrence coverage triggers

Public Risk Underwriters of Texas (PRU) collaborates with numerous large, medium and small public entity pooling organizations, to assist with transferring risk associated with Public Officials, Educators Legal, and Law Enforcement Liability to our carrier partner.

In a sector where no two pools are exactly the same, and where flexibility and understanding are at the core of building solutions, PRU excels at assisting the pool administrators with all the various responsibilities associated with managing a successful pool.

Coverage Highlights:

• Assessing the loss experience in the aggregate and at the member level
• Exploring scenarios with various deductibles, pool retentions, stop loss caps, and limits
• Claims administration and reporting
• Information technology and streamlining periodic assessments
• Risk management and loss control
• Risk selection, pricing and distribution, and
• Drafting coverage language that balances the interests of the member, the pool and our carrier partner

Public Risk Underwriters of Texas is the proud administrator of the PUBLIC EDUCATORS ASSOCIATION OF TEXAS (PEAT). PEAT is a property & casualty fund formed by the Texas Inter-local Cooperation Act to provide coverage for public schools, community colleges, and educational service centers. PEAT operates as a risk pool with “aggregate stop-loss” protection backed by reinsurers rated “A” or better by AM Best. PEAT is a financially secure alternative for Texas schools for property & casualty coverage. It has a foundation built upon a commitment to exceptional service for its members and responsive claims management.

Available Coverages:

• General liability
• Property & inland marine
• Equipment breakdown
• Automobile liability & physical damage
• Crime & employee dishonesty
• Law enforcement liability
• School board legal liability
• Excess liability

Structure and Features:

• Governing board of directors comprised of elected school board officials.
• Formed by an inter-local agreement.
• Underwriting and policy issuance is provided by Public Risk Underwriters of Texas.
• Claims service is contracted by Claims Administrative Services (CAS), which has been servicing Texas schools since 1990.
• Aggregate stop-loss protection.
• Backed by carriers rated “A” or better by AM Best.

Contacts:

Jan Skovbjerg
Vice President – Programs
Public Risk Underwriters of Texas
[email protected]
Direct Line: 210-729-9875

Pamela Boggs
PEAT Senior Underwriting Assistant
Public Risk Underwriters of Texas
[email protected]
Direct Line: 469-449-1528