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Commitment to public entities is the cornerstone of our participation in the self-insured marketplace. Our Public Entity Division provides insurance and reinsurance for municipalities, counties, special districts, schools and public and private colleges and universities.

The Public Entity Division is devoted to understanding and responding to the unique needs of the public sector and has been doing so for over 30 years.  Our underwriters have proven expertise working with public sector insureds and will tailor our insurance and reinsurance products to meet your specific needs.

Our clients include both risk-sharing and stand-alone individual risk accounts. Genesis will provide comprehensive solutions for insureds that are committed to quality risk management and have the desire and ability to retain risk.


Coverage Part A— General Liability, Auto Liability, Law Enforcement Liability and Employers Liability

  • SIR applies to an occurrence for all coverage under Part A (Basket Retention)
  • Law Enforcement Legal Liability, including department-approved “moonlighting”
  • Non-Employment Harassment, including sexual molestation
  • Garage Keepers Legal Liability Coverage
  • Incidental Medical Malpractice (claims made), including nurses, paramedics and EMTs
  • Punitive Damages (where permitted by law)
  • Mutual Aid
  • Liquor Liability
  • Riot and Civil Commotion
  • Athletic Participants
  • Sexual molestation on a per perpetrator basis
  • Teachers’ liability and corporal punishment
  • Fellow Employee Coverages (AL/GL)
  • Limited pollution endorsement available

Coverage Part B—Public Officials Liability or School Board Legal Liability

  • Employment-related Practices — including front and back wages
  • Employment Harassment including sexual molestation
  • Coverage provided for the insured’s employment related acts.
  • Employee benefits liability
  • Punitive Damages (where permitted by law)


Named Insured automatically includes:

  • Elected, appointed or employed officials
  • Current and former employees, members of boards, commissions or other units or committees
  • Volunteers, persons or organizations providing services under mutual aid agreements
  • Student body organizations, including parent/ teacher organizations, and booster clubs
  • Student members of safety patrols
  • Any individual operating an insured’s owned auto with the insured’s permission Other Features
  • The right to choose your own defense counsel
  • Definition of “Claim Expense” includes Alternative Dispute Resolution
  • Clear intent and simplified language
  • Limits apply separately to each coverage part


Genesis insurance and reinsurance clients appreciate the willingness of our claim professionals to consult with them on any claim issues. These individuals have experience and expertise in a number of areas. Continuing education, training, participation in trade associations (such as PRIMA and AGRIP), and direct personal involvement with accounts are requirements of Genesis claim professionals.

Mitigate the Impact of Complex Claims

Genesis claim professionals are a valuable, consultative resource in the evaluation of problematic claims. Clients can call on us for:

  • Aid in evaluation of damages and liability
  • Assistance in preparing for settlement conference and mediations
  • Support in development of an effective defense strategy
  • Assistance in selecting defense counsel and experts to support defense of a claim
  • Specialized resources in the management of catastrophic injuries


Need help? Contact an Underwriter.


Helping risk managers make the most informed decisions.

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Enhanced digital imagery, along with the development of artificial intelligence, has allowed for the increased use of facial recognition technology. However, these advancements have created new legal and ethical questions. Such questions are likely to be areas of rich debate for public entities, policymakers and the public. It makes us wonder if it is possible to remain anonymous in the age of facial recognition?