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XL Catlin’s insurance companies and Professional Governmental Underwriters, Inc. (PGU) have entered into an underwriting agreement to offer Public Entity Management and Employment Practices Liability coverage to public officials, educators, and law enforcement agencies in the US.

“Teachers, school board members, police officers and public officials are held to very high standards,” said Frank Palermo, Underwriting Manager of XL Catlin's Commercial Errors & Omissions (E&O) business in North America, “that’s why we’re pleased to team up with underwriting experts like PGU who understand the risks unique to public officials and can help us deliver the robust insurance protection and risk management guidance they need to protect their livelihoods and their commitment to public service."

According to Martin H. Kanipe, President of the Richmond, Virginia-based PGU, “Those who dedicate themselves to public service have very unique professional liability exposures. Teachers and school boards, for instance, can find themselves facing claims alleging failure to educate, discrimination, denial of special education services, among others. Police officers and their departments, on the other hand, can face claims of negligence, failure to protect, false arrest or civil rights violations. For the last two decades, we’ve focused solely on crafting insurance and loss prevention to protect these professionals and we’re pleased to enlist XL Catlin to support this growing market.”

Under the new agreement, PGU will offer the following coverages through the XL Catlin insurance companies:

  • Educators Legal Liability and Employment Practices Liability: Designed for colleges, universities as well as public and charter, parochial and private K-12 school systems, the policy provides protection against a broad range of employment practices and educators professional liability claims including hire discrimination, defense of non-monetary actions related to special education, redistricting and employment practices.
  • Police Professional Liability insurance: This insurance policy provides coverage for acts, errors, and omissions which occur while officers perform their professional duties.
  • Public Officials Liability and Employment Practices Liability: Tailored for any municipal governmental entity including, but not limited to, cities, towns, townships, boroughs, counties, villages, special service districts, authorities and commissions, this insurance coverage offers protections against claims related to discrimination in selecting, promoting, disciplining or dismissing employees. Mismanagement or improper administration of funds, grants, or budgets and improper granting or denying of franchises, permits or licenses, among other disputes.

About Professional Governmental Underwriters, Inc.

Professional Governmental Underwriters, Inc. is a full-service risk management company dedicated to assisting public, educational and non-profit entities in the management of their professional liability exposures. To learn more, visit

About XL Catlin Insurance Operations

XL Catlin insurance companies offer property, casualty, professional, financial lines and specialty insurance products globally. Businesses that are moving the world forward choose XL Catlin as their partner. To learn more, visit

About XL Catlin

XL Catlin is the global brand used by XL Group Ltd.’s (NYSE:XL) insurance and reinsurance companies which provide property, casualty, professional and specialty products to industrial, commercial and professional firms, insurance companies and other enterprises throughout the world. Clients look to XL Catlin for answers to their most complex risks and to help move their world forward. To learn more, visit