Each insured receives a separate Excess Liability Policy. The limit of liability purchased is exclusive to the entity purchasing the coverage. This is unlike the State’s primary coverage, wherein the primary limit of liability is shared on an occurrence basis.
Limits up to $5 million may be purchased by each entity. This is a distinct advantage as the West Virginia Board of Risk & Insurance Management’s coverage amount is limited to $1 million. Claims can come from various sources – police departments, wrongful termination, parks, playgrounds, transportation, ambulances, utilities, etc.
Beyond the more traditional bodily injury, property damage, and personal injury claims, public officials are individually and collectively exposed to “wrongful acts” claims for the alleged failure to adequately protect or act in the best interest of the public or your members.
We can also provide excess sub limits of sexual abuse and molestation coverage if desired.
Our quotes are offered on A++ XV insurance carrier on an admitted and non-admitted paper.