Municipal Entity Wrongful Acts Coverage - City and County Liability Insurance

Municipal Entity Wrongful Acts Coverage
Including Employment Practices Liability

Coverage Highlights

Insuring Agreement

Pay on behalf or Indemnity (Optional)

All loss and claims expenses to which this insurance applies in excess of the self-insured retention as shown on the Declarations.

For which the insured is legally obligated to pay as damages by reason of tort liability or the tort liability of others assumed or retained under a contract as a result of a wrongful act

Occurs during the policy period

Entities/Operations Insured

COVERED ORGANIZATIONS

You, the Named Insured as shown on the Declarations.

COVERED PERSONS INCLUDES WHICH OF THE FOLLOWING WHILE ACTING WITHIN THE SCOPE OF THEIR DUTIES, OFFICE OR EMPLOYMENT FOR THE NAMED INSURED:

Persons who were, are now, shall be your lawfully elected , appointed, employed officials

Current or former commissions, boards or other entities, including their former or current members, under your exclusive operation and jurisdiction

Current or Former Employees

Authorized Individual Volunteers if services performed are under your direct supervision and control.

Mutual aid or similar agreement: persons, entities or organizations providing services but only with respect to the conduct of your business and only to the extent of your participation or interest

Estate of those listed above

No coverage for any person, entity or organization with respect to the conduct of any current or past partnership or joint venture that is now shown as a Named Insured in the Declarations

Newly acquired entity or organization you form and over which you have exclusive jurisdiction and the following provisions apply:

Coverage afforded until the 90th day or end of policy period, whichever is earlier;

Coverage does not apply to any wrongful acts which takes place before you acquired or formed the entity or organization;

Coverage does not apply to any employment practices liability committed before you acquired or formed the new entity or organization

COVERED ACTS

Misstatements

Misleading statements

Actual or Alleged Act

Error or Omission

Negligent Breach of Duty Committed by an Insured solely in the scope of their duties as respects your conduct as an educator, educational entity or educational organization.

Wrongful act arising out of Employment Practices Liability.

Limits of Insurance

POLICY LIMIT

Per Occurrence or Single Wrongful Act

Limit of Insurance shown in the Declarations is the most we will pay the Insured under the Coverage Part regardless of the number of:

Insureds

Claims made or suits brought

Persons, organizations or government agencies making claims or bringing suits

Limit of Insurance will not be reduced by the self-insured retention

Annual Aggregate for all covered wrongful acts

DEFENSE COST COVERAGE

Within Policy Limits

In addition to Policy Limits (Optional)

SELF INSURED RETENTION

Minimum Amount - $50,000

Allocated inside retained limit

Allocated Outside Retained Limit (Optional)

Annual Aggregate Applicable (Optional)

Self-insured retention applies to each and every wrongful act against damages and claim expenses for which coverage is afforded by this Coverage Part.

Self-insured retention shall not apply to damages or claims expenses related to a wrongful act which takes place prior to or subsequent to the policy period.

Self-insured retention shall not include any amount for damages or claim expenses related to any claims or part of a claim brought against the Insured for coverages which are not included in the terms of this Coverage Part.

Limits of Insurance of this Coverage Part apply in excess of the self-insured retention.

OTHER PROVISIONS

Covered Territory