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:

Cities

COVERAGES AVAILABLE:

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

Property
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

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