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Types of Businesses We Insure

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Types of Municipalities We Insure

  • Towns
  • Small cities
  • Villages
  • Townships
  • Boroughs
  • Municipal Utility Authorities

Your Town is Unique…

…so why settle for a cookie-cutter insurance solution? When it comes to protecting your municipality, turn to the experts at Selective. We have a dedicated and experienced team that specializes in the specific needs and challenges you face. Our program is both broad and flexible—ranging from property coverage to professional liability—to help you get the protection that meets your unique needs for your unique town.

As the list below shows, Selective’s program for municipalities offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.

  • Communication equipment, computers and media
  • Confiscated property
  • Disappearing deductible
  • Extra expense
  • Loss of income (actual loss sustained)
  • Money, securities and stamps
  • Optional guaranteed replacement cost – building and business personal property
  • Outdoor fences, signs, trees, shrubs and plants
  • Property off-premises
  • Underground fiber optic cable
  • Systems PowerPac (equipment breakdown coverage)
  • Blanket additional insured coverage
  • Fellow employee, member or volunteer worker liability
  • Liquor liability for temporary events
  • Pollution coverage for fire and rescue emergency and training operations
  • Volunteers included as named insured
  • Additional transportation expense
  • Fellow employee coverage
  • Hired car physical damage
  • No glass deductible on emergency vehicles
  • Physical damage to vehicle of fire and rescue member – $2,500 (other than fire and rescue employees vehicle – $1,000)
  • Pollution coverage for emergency and training operations
  • Emergency vehicle upgrade cost (to comply with current national standards)

To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:

  • Bonds (fidelity, employee dishonesty, treasurer, etc.)
  • Emergency services management liability
  • Emergency services portable equipment covered on guaranteed replacement cost basis
  • Employee benefits liability
  • Flood and earthquake
  • Inland marine (police weapons, traffic controls, rescue boats, portable emergency equipment)
  • Police professional liability (occurrence form)
  • Public officials liability (claims made form)
  • Umbrella – limits up to $10 million, with no minimum retention
  • Value guard coverage for fire trucks and ambulances

When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.

  • Best practices assessment/gap analysis
  • Contractual liability consultation
  • Customized workers compensation cost containment
  • Driver and fleet safety programs
  • Exposure reduction consultations
  • OSHA 30-hour training
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment and benchmarking tools
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Thermographic infrared surveys


For more information about Selective's Safety Management services, click here.

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