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Insurance for Your Municipality

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 insurance options are both broad and flexible — ranging from property coverage to professional liability — to help you get the protection that meets the unique needs for your unique town.

Types of Municipalities We Insure

  • Municipalities (populations of 15,000 or less)
  • Municipal Water and Sewer Authorities (populations of 30,000 or less)
  • Public libraries

Coverage Highlights

Property Insurance Advantages

  • Broadened water
  • Canine
  • Confiscated property
  • Disappearing deductible
  • Emergency vacating expenses
  • Grave markers and headstones
  • Ordinance or law
  • Equipment breakdown

General Liability Insurance Advantages

  • Blanket additional insured
  • Incidental broadcasting and publishing
  • Pollution exclusion (exception for potable water)
  • Pollution exclusion (exception for water or wastewater treatment)
  • Emergency services specific coverage, such as:
    • Commandeered mobile equipment
    • Emergency services errors and omissions
    • Incidental medical malpractice
    • Pollution coverage for emergency services

Commercial Automobile Advantages

  • Blanket additional insured
  • Emergency services specific coverage, such as:
    • Commandeered auto
    • No glass deductible for emergency vehicles
    • Value guard physical damage
    • Pollution coverage for emergency and training operations

For more information about Selective's coverages, click here.

Optional Coverages

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

  • Abuse or molestation
  • Commercial umbrella
  • Computer fraud
  • Crisis response
  • Cyber liability
  • GreenPac®
  • Guaranteed replacement cost - building and business personal property
  • Guaranteed replacement cost - portable equipment
  • Identity recovery
  • Municipal participating (dividend) program
  • Police professional liability
  • Public officials professional liability

For more information about Selective's coverages, click here.

Safety Management Services

Selective can help you prevent claims before they occur with our extensive Safety Management services:

  • Thermographic infrared testing of electrical panels and incoming service at no additional cost
  • Building valuation
  • Employee background screening and access to discounted motor vehicle reports through IntelliCorp®
  • Assistance with developing policy and procedure manuals, including screening guidelines for employees
  • Pre-screening assistance with employee motor vehicle reports
  • Fleet safety assistance, including reduced-cost defensive driving instruction and vehicle emergency evacuation training

For more information about Selective’s Safety Management services, visit Safety Management Resources section.

Please contact your Selective agent for more information about our products and services for Municipalities.