Public Entity Package Insurance

Missouri Rural Services and Savers Insurance Company work together to provide a unique and specially designed package insurance policy to fit the needs of Missouri public entities. This specialty package policy is made available through Independent Insurance Agents throughout Missouri for the following types of public entities:


Comprehensive General Liability
Occurrence Form Limits up to $2,000,000/$5,000,000 Includes a special endorsement which does two important things for public entity insureds:

  1. Contains a clause which states that the insurance purchased is not intended to be a waiver of sovereign immunity. Without this clause the courts would rule that sovereign immunity would not apply.
  2. Contains a clause which provides limits equal to the statutory cap limits (sovereign immunity limits) which increase each year based on the inflation, and specifically for those claims that fall within the sovereign immunity statute which are:
    • a dangerous condition of the public entity’s property and
    • negligent operation of a motor vehicle.

Law Enforcement Liability
Occurrence Form Limits are the same as General Liability

Public Official Liability
Claims Made Form Limits up to $2,000,000/$5,000,000

Employment Practices Liability
Claims Made From Limits up to $2,000,000/$4,000,000

Automobile Liability and Physical Damage
Limits up to $2,000,000 combined single limit
Uninsured Motorist Limits up to $50,000 Underinsured Motorist Limits up to $50,000
Includes a significant Enhancement Endorsement

Special Form, Actual Cash Value, Replacement Cost, or Functional Replacement Cost Available
Includes a significant Broadening/Enhancement Endorsement
Earthquake can be added with no restrictions

Inland Marine
All Risk Form, Contractors Equipment, Electronic Data Processing Equipment, Miscellaneous Equipment

Blanket Employee Dishonesty, Disappearance and Destruction, Robbery and Safe Burglary Theft

Call us at 800-726-9304 Fax 573-634-4789 use the extension listed below for each employee

Alan Clark

EXT: 203

Jessie Davis

EXT: 202

Dan Holt

Senior Underwriter
EXT: 208

Sonnie Nichols

EXT: 206

Charlene Chiles

Invoicing/General Accounting
EXT: 205

Teresa Schrimpf

EXT: 204

Ben Holland

Policy Issuance
EXT: 225

Stacy Thoenen

Staff Accountant
EXT: 216

Kim Moon

Endorsements & Underwriting
EXT: 214

Nikki Dysart

Underwriter/TMHCC Endorsements
EXT: 201

Amanda Ruppel

Renewal Info. Requests/Proposals/Loss Runs
EXT: 215