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The Municipal Advantage Public Entity Liability Policy from Westchester Small Business is a comprehensive public official’s liability and employment practices liability product, designed for a wide array of public entities and their officials, employees, commissions, and boards.


Public Entity Represents

Public Entity Warrants

Public Entity Renewal Represents

Public Entity Renewal Warrants


  • Admitted and non-admitted capability
  • Separate claims expense limit equal to aggregate limit
  • Definition of “insured persons” includes officials, employees, commissions, boards, and volunteers. ODL coverage for 501(c) 3 and tax-exempt entities.
  • Full severability of application for insured persons
  • Definition of “damages” includes favorable venue punitive and exemplary damages
  • Third party EPL coverage – employment discrimination and sexual harassment
  • Crisis management coverage – including incapacity/death and indictment of Insured; funding cancellation, bankruptcy, employment event, and other material events
  • Injunctive/non-monetary relief exclusion - $100,000 claims expense sub limit
  • No anti-trust exclusion


  • Up to $5 million


Public entities with revenues below $15 million, including municipalities -- such as public, charter, private, and vocational schools, as well as community colleges. District programs, including pools, are also eligible.


  • Monoline Law Enforcement Authorities
  • Monoline Fire Fighting Authorities


Westchester is one of the largest and most diverse excess and surplus lines commercial property and casualty insurance underwriters in the United States. Focused on the wholesale distribution channel, Westchester provides innovative specialty products for property, specialty casualty, environmental, professional risk, inland marine, product recall, small business, binding and programs. The business is further distinguished by exceptional financial strength, underwriting excellence and superior claims handling expertise. The material on this page contains product summaries intended for use solely by properly licensed insurance professionals. The insurance policy actually issued contains the terms and conditions of the contract. All products may not be available in all states and surplus lines products can be offered only through licensed surplus lines producers. Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at Westchester is a division of Chubb, the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb maintains executive offices in Zurich, New York, London and other locations, and employs approximately 30,000 people worldwide. Additional information can be found at: