Charters Offers Risk Insurance for Public Entities

Underwritten by the Chartis insurers, Leaders Risk Protector allows insureds to bundle a number of coverages into one policy, offering coverage for errors & omissions (E&O); management; network security and privacy; event management; and employment practices liability (EPL). Leaders Risk Protector provides solutions for schools, associations and public entities as well as the personal exposures of their management and employees.  The E&O coverage is provided on a duty-to-defend basis and prior acts coverage is available.    

In addition, the modular format of Leaders Risk Protector offers insureds the following options: 

• Employment Practices Liability Insurance, which has been expanded to include coverage for a range of new exposures, from workplace bullying to violations of the Genetic Information Non-Discrimination Act. EPL Insurance is a complement to EPL Pak Premier, which provides access to employment risk management and loss prevention tools and services.  
• Security & Privacy Insurance, which responds to third party liability claims arising from a breach of the entity’s network security or other incidents that put personally identifiable information in the insured’s care at risk.   
• Event Management Insurance, which pays for public relations services to assist in managing and mitigating a covered privacy or network security incident, including the costs to notify individuals of a release of private information and of credit-monitoring or other remediation services to help minimize damages to those individuals whose private information was disclosed.  
• CrisisFund Insurance, which provides funds (with no retention) for an insured to hire a preapproved public relations firm to help manage communications surrounding a covered crisis event and mitigate potential damages to the entity’s reputation.