Public Officials that need Directors and Officers Insurance as well as Employment Practices Liability Coverage include elected and appointed officers of:

• Cemeteries
• Civic groups
• Government councils
• Fairs
• Housing authorities
• Museums
• Parks
• Sanitation Districts
• Zoos
• Libraries
• Golf clubs
• Other similar for-profit and nonprofit organizations, districts, councils or authorities

RELATED: Why manufacturers need D&O Insurance

D&O Insurance Claim Scenarios

• When a NJ economic growth district didn’t notify the public sector about its scheduled meeting, the problems only began. The minutes were never released, yet officials decided to levy certain property owner fees. The lack of transparency resulted in a violation of public meeting and district laws.  Residents of the district ultimately discovered what had transpired and brought a lawsuit against the district for violating the Freedom of Information and Open Meeting Acts.
  
• A NY City sewer district  found a mistake in the electronic property tax roll system. They discovered that there had been a miscalculation of sewer charges for the last two years. The system was duly fixed. Then, the district mailed notices about tax revaluation and related payments that had not been collected.  The residents sued the sewer district collectively for negligence and breach of contract.
  
• After a man donated a sizable amount to the PA municipal park new public playground fund, it was used for a land clean-up. The enraged donor sued the park for misappropriation of funds. The damages included the full amount, plus interest incurred. Because most of the monies had already been used on the clean-up, there was not sufficient funds to cover expected compensation.
  
• The managing director of a particular water district in CA began helping himself to district funds for personal expenses. After many months, the district found itself with a lack of capital and declared bankruptcy. An associated bank that had reissued an outstanding financial note brought a lawsuit against the district board for failure to properly oversee their directors, asserting breach of duty of car and misrepresentation of financial information.
  

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Summary: Public Officials are under extensive scrutiny for liability. Prime Insurance outlines necessary protective coverage.