As a public official, you could face a variety of lawsuits. While no one likes to think about the potential for lawsuits, they are common. Without public officials liability, all awards granted in a lawsuit and all legal fees have to come out of your pocket.
What Exposures Do Public Officials Have?
Public officials refer to any elected official, volunteer or employee. This includes municipalities, boroughs, townships, cities, housing authorities and special district governmental entities.
When carrying out their duties, public officials can face lawsuits for their actions. Some lawsuit examples include:
- Mismanagement of funds
- Improper zoning denial or approval
- Failure to attend meetings
- Wrongful termination
- Acts of discrimination
Even if you do not feel as though you are guilty of the claims, allegations can happen at any time.
What Types of Coverage Are Available?
The type of coverage that a public official requires depends heavily on the job duties of the public official. Public official’s liability, public official’s errors and omissions, or a director’s and officers’ policy. The difference between E&O and D&O is that E&O will also cover any employees.
Working as a public entity does not automatically grant you immunity to lawsuits. If you fail to perform your job duties or if you make a mistake, you could be held liable. Without insurance, the costs of lawsuits can be financially devastating.