Public Entities: Automobile Liability and Physical Damage

Automobile liability and physical damage program for public entities provides commercial automobile liability and physical damage insurance. It’s designed for public entity vehicles, including police, fire and emergency classes.

Automobile liability and physical damage program for public entities provides commercial automobile liability and physical damage insurance. It’s designed for public entity vehicles, including police, fire and emergency classes.

Coverage Highlights

Coverage available

  • Hired/non-owned autos
  • State-required UM, UIM, PIP and medical payments

Optional coverage available

  • Replacement cost coverage on emergency vehicles

Coverage extensions to qualified insured

  • Fellow employee coverage
  • Emergency vehicles
  • “Hot pursuit” coverage
  • Fleet automatic
  • Airbag coverage
  • Broadened definition – who is an insured
  • Common deductible provision
  • Glass
  • Hired car physical damage
  • Transportation expense

Appetite & Availability

Targeted classes

  • Public entity
  • Public schools

Geographic availability

  • United States

Geographic availability notes

  • Available in most states

Distribution

  • Local agents and brokers

Additional Information

The insurance policies, not this webpage, form the contract between the insured and the insurance company. The policies contain limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This webpage is provided for informational purposes only and does not constitute legal advice. Policies for this program are issued by one or more insurance companies of Paragon Insurance Holdings, LLC. Trident is a registered service mark of Paragon Insurance Holdings, LLC.

Contact us today to learn how partnering with Paragon can make you more productive and successful.