Products & Coverages

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 assets. Our team of public sector insurance specialists consistently delivers customized protection and services to safeguard your community and all of its unique needs.

Our target classes include: cities and towns; counties; non-rail transit; public water districts; sanitation districts; fire districts; emergency response; and other publicly funded districts.

Our deep familiarity with the public sector means we understand your exposures and provide tailored coverages to mitigate your liability. Our insurance coverages include:

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

Information Risk & Recovery

  • Information risk liability
  • Communication liability
  • First-party insuring agreements
  • Access to eRiskHub from Net Diligence Solutions

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