Texas Public Entities Coverage
We, as citizens, don’t think of certain parts of our local community as “public entities.” To us, it’s just the library, the local elementary school, our favorite park, the water company, or trash pick-up. Even our cities, townships, and counties aren’t thought of as a “business” so much as a name on a sign and the home of the local football team we cheer on Friday nights.
But our cities, counties, and government-funded institutions are run by real people and work with the entire public. All those people mean one thing – there’s always the risk that something could go wrong and someone could get hurt.
Public entities need insurance just like a private businesses do, maybe even more to handle all the possible things that can happen out on the road, in the office, or at the park. Especially when you’re dealing with the public.
Think about it. Nearly every municipality in the country, let alone in Texas, has an aging infrastructure that can cause a lot of problems. Falling bridges and collapsing roads may sound extreme, but they happen all the time.
Most government organizations have some online presence. This means that information about the citizens they help is digital and one big data breach away from being stolen in a cyber attack.
City police and county sheriff’s cars are equipped with more and more technology to help them do their job. That also means that our men and women in blue are often driving around, distracted by screens and buttons all around them. Accidents can and will happen.
Not having enough insurance doesn’t just put your organization at risk. It kills your annual budget and wastes taxpayer money. Public entities need good, solid insurance coverage to protect against inevitable and costly accidents. What kind?
Here are just a few policies every public entity needs to consider: