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:

  • General liability
  • Property insurance
  • Commercial auto insurance
  • Professional liability
  • Employment liability
  • Law enforcement liability
  • Public entity management liability
  • Cyber liability
  • Sexual misconduct
  • Crime insurance
  • Workers compensation
  • Commercial umbrella

Some public entities may need more depending on the type of risks you or the public face.


Here at Patterson Insurance, we believe that good people work hard every day to keep our local cities and counties running well. But we also don’t think public entities should have to face unnecessary costs after accidents or problems just because they don’t have enough insurance.


We consider it our duty, as a responsible citizen and a responsible insurer, to make sure public entities have good insurance coverage to protect you and the public you serve.

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The coverage you can count on to protect the life you’ve worked so hard to build, from agents that will treat you like part of the family. It’s the Patterson way.

Protect yourself at home too…


Business insurance, private or public, isn’t the only coverage we offer here at Patterson. If you’re a homeowner, we can make sure you have the right coverage for your home at the right price. Don’t run the risk of losing everything in one bad storm because you didn’t have a good home insurance policy. Let us help.