Public Sector Insurance
Insurance that helps the public sector deliver its best service
We’ve been providing public service insurance and risk management solutions to organisations in the UK public sector since 1992. Our bespoke insurance and risk control products help bring services to the general public, tourists, employees and anyone else who uses local amenities or visits local authority premises.
With our experience, longevity and insight, we’re well positioned to help address the particular challenges faced by local authorities. We collaborate with our customers to make sure that our cover, claims process and support are tailored to minimally impact the important services they provide.
Our appetite
We cover
These fall within our appetite, and we’re happy to discuss details.
- Property cover – all local authorities and central government entities
- Casualty covers – tier 2 local authorities and central government entities
- Motor cover – all local authorities and central government entities
We’ll consider
We may need more information to confirm a fit.
- Town and parish councils
We do not cover
Sorry, we’re currently unable to insure the following.
- Police and fire authority casualty and motor covers
- Tier 1 local authority casualty business
- Housing associations
- Waste recycling companies
- NHS and healthcare bodies
Travelers advantage
In a dynamic world, things don’t always go to plan. No one knows this better than the public sector teams who provide vital services to their communities. Travelers offers individualised expertise for those teams in the form of a dedicated underwriter, ready to help address diverse risks through a detailed and bespoke underwriting process.
- Financial strength. Financial strength and stability with international reach.
- Experience & expertise. Long-term industry experience combined with deep specialist underwriting expertise.
- Superior claims service. Expert Claims teams focused on delivering superior service.
- Dedicated risk managers & consultants. Access to risk consulting from trusted experts.
- Safety Academy. Access to Institute of Occupational Safety and Health Managing Safety classroom courses.
- Rehabilitation. Aid injured employees return to work with Travelers Proactive Rehabilitation Support.
- In-house legal services. In-house law firm that works with customers on claims where legal action is being taken against them.
Advantage spotlight
You’ll be keen to know about the following.
For liability, property security and motor fleet management processes, our specialist risk control consultants are ready to assess public sector services across a wide spectrum of risk exposures.
Our team can provide ongoing, practical support, including:
- Individual departmental risk management reviews to assess and evaluate existing risk identification, assessment and control procedures (e.g., leisure facilities, housing, parks and open spaces, schools and vehicle workshops)
- Appraising risk management strategy and providing advice on achieving compliance with corporate governance (risk management and internal control) requirements
- Risk awareness training and workshops to support existing risk management strategies
- Free risk control assessment to the authority, which then enables us to allocate free risk control consultancy days
- Complimentary Cardinus e-learning solutions
Drawing on our financial strength, years of public sector expertise and experience, we’re also able to:
- Help with bespoke local authority policy wording
- Take care of bespoke claims handling offers for the public sector
- Undertake staff education/training onsite
Public sector covers & highlights
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Material damage
- Protection against fully insured perils or fire and selected perils for property owned or managed by the organisation – including general property, housing stock, schools and commercial premises
-
Business interruption
- Cover for reduction in gross revenue and/or additional cost of working suffered in consequence of material damage
-
Employers’ liability
- Covering the authority’s legal liability to employees for death, injury or disease arising out of their employment
-
Public liability
- Legal liability insurance cover for third-party injury or property damage, including many additional benefits such as libel and slander cover as standard
-
Computer
- Specially designed cover for computer equipment and records. Specified all risks. Wide cover for high-value, portable items
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Money
- Cover for loss of money and personal injury arising from robbery or assault
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Professional indemnity
- Protection against claims for damages brought against the local authority arising from dishonesty or breach of professional duty
-
Officials’ indemnity
- Protection for employees against liabilities incurred as a result of breaches of duty, trust or authority arising out of their responsibilities as local authority officials
-
Motor
- Cover for motor vehicles under the authority’s control, including owned, hired and leased cars, commercial vehicles and motorised plant/tools of trade
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Fidelity guarantee
- Protection against loss of money or property through theft or fraud by employees
Let’s start the right conversation
For business
Find a broker
If you’re looking for covers and have a broker, ask about Travelers products.
If you need a broker, start with the right broker directory.
Need to call us directly? Contact us.
Risk management community
ALARM national forum for public sector risk management
Our team attends the annual ALARM National Conference and regional events. ALARM is a member-led, not-for-profit community of public sector risk management professionals.
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