From the people who live or work in your community, to the businesses and infrastructure that provide needed services, OneBeacon Government Risks understands your community is unique. As local government specialists with a deep understanding of property and casualty insurance solutions, we know how to properly protect your public entity assets. Our team of public sector insurance specialists consistently delivers customized protection and services to safeguard your community and all of its unique needs.

General Liability

  • Bodily injury and property damage
  • Personal and advertising injury
  • Healthcare and social services liability
  • Owned unmanned aircraft (optional coverage)
  • Failure to supply (optional coverage)
  • Sexual abuse (optional coverage)

Public Officials Liability

  • Wrongful acts
  • Employee benefits administration
  • Third-party harassment
  • Claims-made or occurrence options

Employment Practices Liability

  • EEOC
  • Back wages
  • Employee harassment

Law Enforcement Liability

  • Law enforcement wrongful acts
  • Coverage for prosecuting activities, sanctioned off-duty activities and third-party harassment
  • Owned unmanned aircraft (optional coverage)
  • Jail nurses or other medical workers at a jail (optional coverage)


  • Liability
  • Physical damage
  • Tailored coverage extensions including:
    • Commandeered vehicles
    • Customized vehicles
    • Reasonable force exception


  • Building and business personal property
  • Business income
  • Crime
  • Cyber vandalism
  • Equipment breakdown
  • Comprehensive additional coverages including inland marine options

Excess Liability

  • Available for all casualty lines

Our FirstFire Services product is highly specialized and designed specifically for Fire and Emergency Responders.

Click here to learn more

Through Specialty Advantage Insurance Services, a brokerage affiliate of OneBeacon Insurance Group, you can secure event and entertainment coverage for your municipality.

The TULIP program provides general liability coverage to third-party users of various venues and facilities in your community.

Learn more about TULIP and how to secure coverage

Eligible Risks Include

Cities and Towns
Public Water Districts
Sanitation Districts
Fire Districts
Emergency Response
Other Publicly-Funded Districts