Public Entities​


Insurance Solutions for Public Entities

Whether you help run a town, a special district, or a school system, your public entity is committed to serving its community and keeping it safe. At Liberty Mutual Insurance, we understand the unique challenges public entities face, including increased litigation, aging infrastructure, and elevated scrutiny of police actions, and offer the coverages and services to help protect your people, property, and reputation.

With dedicated underwriters focused exclusively on the public sector, including counties, municipalities, and educational institutions, we design tailored insurance programs to address your specific coverage needs.  Our experienced risk control professionals can offer building appraisal and boiler inspection services, as well as practical solutions to help you protect your facility from workplace hazards and natural disasters. If you do suffer a loss, our claims staff is ready to support you and help you recover.

We offer tailored solutions for a variety of public entities, including:


  • Cities, towns, townships, and counties
  • Libraries
  • Parks and recreation departments
  • Sanitation and solid waste management
  • Special districts, including fire departments
  • Street and road maintenance departments
  • Water utilities


  • Charter and magnet schools
  • Montessori schools
  • Public and private schools K-12
  • Vocational/trade schools

Business-Specific Coverages

In addition to offering core coverages such as commercial auto, general liability, and property, we also offer coverages tailored for your public entity, including:

  • Crime insurance
  • Data compromise insurance
  • Employment practices liability insurance
  • Law enforcement insurance
  • Sexual misconduct and molestation insurance

Dedicated Resources

To help public entity customers better protect themselves against employment practice liability (EPLI) claims and losses, Liberty Mutual’s toll free helpline provides direct and unlimited access to employment law attorneys who can help address specific employment concerns, while an online library provides relevant content on an extensive range of key employment issues. Access to the helpline and online library is available at no cost to Liberty Mutual’s EPLI policyholders. 

Learn More

For more information on how Liberty Mutual can protect your public entity, contact an independent agent or your broker. 

*Coverage for residential building contractors may vary depending on account size, location, and business type. Please contact an independent agent or your broker for more information.

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Educational Institutions
We offer solutions to help protect a variety of educational institutions.

Learn more.