Protect Your Municipality with the Right Insurance
Municipalities face a variety of risks and challenges in providing essential services and infrastructure to their communities. From natural disasters and cyberattacks to public liability, municipalities need comprehensive and customized insurance solutions that protect their assets and operations.
At The Hartwell Corporation, we have the expertise and experience to offer tailored insurance products and services for municipalities of all sizes and types. Whether you are a city, town, village, county, or special district, we can help you find the best coverage and rates for your specific needs.
Some of the insurances that a municipality may need are:
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Property insurance: This covers the physical assets of the municipality, such as buildings, equipment, vehicles, and contents, from perils such as fire, theft, vandalism, and weather. Property insurance may also include business interruption coverage, which compensates for lost income and extra expenses due to a covered loss.
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Liability insurance: This covers the legal liability of the municipality and its officials, employees, and volunteers for bodily injury, property damage, or personal injury caused to third parties as a result of their actions or omissions. Liability insurance may also include public officials liability, which protects against claims arising from errors and omissions, civil rights violations, employment practices, and fiduciary duties.
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Cyber insurance: This covers the costs and liabilities associated with a cyberattack or data breach affecting the municipality's computer systems, networks, or data. Cyber insurance may also include identity theft protection, crisis management, and cyber extortion coverage.
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Workers' compensation insurance: This covers the medical expenses and lost wages of employees who are injured or become ill due to their work for the municipality. Workers' compensation insurance may also include employer's liability, which protects against lawsuits from employees or their families for work-related injuries or illnesses.
These are just some of the insurances that a municipality may need. Depending on the nature and scope of your activities, you may also need other types of insurances, such as environmental, crime, fidelity, inland marine, or umbrella insurance.
If you are interested in learning more about our insurance solutions for municipalities, please contact us today. Our friendly and knowledgeable agents will be happy to answer your questions and provide you with a free quote. We look forward to serving you and your community.