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Municipality insurance

Prescott municipal officials come face to face with liability issues daily which is why cities, much like individuals and business owners, need to be insured. Risk exposure and subsequent potential losses are nothing new for members of the public sector. Mosaic Insurance knows the critical importance of obtaining the right Municipality Insurance Program and the value of understanding the intricacies and details and intricacies of such a policy.

The following are just a few of the insurance policies included in a robust municipality insurance program:

General Liability
General Liability coverage protects municipalities against claims from property damage and bodily injury. Claims may arise from improperly maintained roads or construction sites and even from natural disasters where due diligence has not been applied.

Crime Insurance
Municipalities must be insured against potential losses by ensuring that background checks are performed for all city employees and employers and that businesses are properly screened.

Employment Practices
Generally, this coverage provides municipalities protection against claims from employees including, but not limited to:

  • alleged discrimination
  • wrongful termination
  • harassment
  • retaliation
  • breach of contract

The above mentioned coverages are a simple basic outline of what a comprehensive municipality insurance package provides. To learn more, call the insurance experts at your local Prescott independent insurance agency, Mosaic Insurance, at 928-458-7374.



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