Ohio Municipalities Insurance

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Ohio Municipalities Insurance Policy Information

OH Municipalities Insurance

Ohio Municipalities Insurance. In the public sector, exposures to risks and losses aren't anything new. In fact, public officials face numerous liabilities on a daily basis. Given the fact that city officials are tasked with so many responsibilities, such as balancing budgets, managing debts, ensuring that the residents in their jurisdictions are safe and have access to proper protection and education, infrastructure is functioning properly, and more.

Given all of the responsibilities that municipalities are tasked with, it's no wonder why officials are exposed to so many risks.

Municipal buildings provide office and meeting facilities for township, city, county, or state legislative operations. They often have auditoriums designed for large public gatherings or for political assemblies. A council runs municipalities, either elected or appointed and may have a mayor who acts as the leader.

Wide varieties of services are provided to residents in exchange for tax dollars. These services may include planning and zoning, licenses and permits, assessors' and surveyors' offices, courts, disease control, sanitation, road construction and maintenance, snow removal, and public protection such as police or fire departments.

Some municipalities contract utility services, such as gas, water, or electricity, for residents within their geographical area.

In order for municipalities to protect themselves from the numerous risks that they face, investing in the right type of Ohio municipalities insurance is essential. What type of insurance should municipalities carry and why is insurance coverage so important? Read on to find out more.

Ohio municipalities insurance protects your municipal buildings and operations from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.

Why Do Municipalities Need Insurance?

In the event that a city official makes an error or a poor decision that ends up damaging the constituents that represent, officials, as well as the city, are responsible for any associated damages.

For example, if a budget is mismanaged and funds aren't allocated to the departments they are supposed to be allocated to and aren't used for what they are intended to be use for and constituents file a lawsuit against the city, serious financial repercussions could arise.

That's just one example of the issues that municipalities and city officials face and why Ohio municipalities insurance coverage is so important. In the event that an unforeseen circumstance, an error, or even an intended action that does not benefit the municipality occurs, insurance would help to cover the related costs that are associated with damages, repairs, medical bills, and legal defense fees.

Without the right OH municipalities insurance coverage, the municipality would have to pay for the related expenses themselves. With municipal insurance, however, if and when an issue does arise, the insurance carrier would cover the associated costs.

What Type Of Insurance Do Municipalities Need?

The type of Ohio municipalities insurance coverage that municipal operations require varies and depends on a variety of factors.

With that said, however, there are several types of coverage that all OH municipalities should carry. These municipal coverages include:

  • General Liability: This type of coverage protects municipalities from third-party liability and property damage claims that may occur on properties that are controlled under a municipality. For example, if someone were to trip and fall on an improperly maintained sidewalk or if a vehicle were to be damaged on a pothole that has existed for a long time and the injured individual or the person who owns the damaged vehicle filed a lawsuit against the municipality, this part of an insurance policy would cover the expenses that are associated with legal defense fees, as well as any settlements that a court may be find the municipality responsible for.
  • Crime Insurance: An important part of protecting the constituents of a municipality is crime prevention. Officials must take the necessary precautions to protect their cities from potential crime as much as possible. If a city fails to do so, however - for example, if there rioting and looting were to occur and business did nothing to prevent or quell the illegal, destructive, and harmful actions, business owners or anyone who else that was affected by the rioting and looting could file a lawsuit against the city. This part of a municipality insurance policy would help to cover any of the related costs in this type of situation.
  • Employment Practices Liability (EPLI): Generally, this type of coverage offers municipalities with the protection they need against claims that may be made by employees for unfair employment practices; age, race, or gender discrimination, wrongful termination, unfair discipline, retaliation, or nepotism that leads for unfair hiring practices, for example. If someone were to file a lawsuit against the city for these negative employment practices, this part of an insurance policy would help to pay for the related expenses.

These policies are a few examples of the type of Ohio municipalities insurance coverage you should consider for your municipal operations. To find out more about the coverages that a properly designed OH municipality insurance policy should offer, speak with an insurance broker.

OH Municipalities' Risks & Exposures

Premises liability exposure is high due to services provided to residents and the public's access to the building. If tours are given, exposures increase significantly as guests may be led through areas generally "off limits" to more casual visitors.

Legislation and judicial decisions have eroded governmental immunity protection in most states. Public and life safety code compliance is very important. To prevent trips, slips, and falls, all premises must be well maintained with flooring in good condition. Adequate lighting, marked exits, and egress are mandatory. Steps must have handrails, be well lit, marked, and in good repair.

An outside service contractor should inspect elevators and escalators annually. Parking lots should be free of ice and snow. Municipal facilities may be a target for vandals, disgruntled citizens, criminals, or terrorists. Security inside the facility, as well as outside areas including owned parking area, needs to be carefully implemented and monitored.

An evacuation plan must be in place. Personal injury losses may occur due to alleged assault, discrimination, invasion of privacy, or unlawful detention.

Public officials' liability exposure can be severe. Today's political climate has seen an increase in lawsuits against public officials for failure to perform the functions of their office, failure to account for tax funds, failure to enforce regulations, failure to follow mandated procedures, such as open bidding on contracts, bad faith, and other errors or omissions. Defense costs can be prohibitively expensive.

Workers compensation exposures are varied, from office workers to volunteers, janitorial staff, building or yard maintenance workers, repair personnel, and drivers. Workers may incur back injuries, hernias, slips, falls, strains, or sprains. Skin and lung irritation can result from working with cleaning chemicals and paint.

Office workers may develop repetitive motion injuries. Workstations should be ergonomically designed. There may be interactions with angry constituents or protestors. Employees should be trained to deal with difficult situations.

Property exposure is generally low. Ignition sources include electrical wiring, heating, and air conditioning systems. There may be a restaurant or cafeteria on premises. Most offices and auditoriums have extensive wiring for lighting, computers, and other electronic equipment. It must be in good repair and adequate for its use.

Valuation may be a concern in older buildings with unique architectural features that may be difficult to rebuild with like construction and quality after a loss. Smoke detectors are critical for early detection of a fire. Smoking should be prohibited.

If there is a restaurant or cafeteria on premises, all cooking equipment should be properly protected. Garages for storing, fueling, and maintaining vehicles must be separated from office facilities. Municipal facilities may be a target for political activists or for terrorists.

Adequate security is required. There should be disaster recovery plans in place to continue operations in the event of a large loss.

Crime exposure is from public officials' dishonesty, employee dishonesty, and money and securities. Background checks, including criminal history, must be completed on all employees. Receipts must be provided for all payments of taxes, fees, fines, and penalties, with daily reconciliation between receipts and money received.

Deposits should be made promptly with appropriate security provided. Money should not be left on premises overnight. There must be regular audits, preferably by an outside firm. All employees must take at least one complete week vacation every year.

If the facilities have offices to collect fees, penalties, or obtain permits and licenses, there may be an exposure to hold up.

Inland marine exposures are from accounts receivable for billings, audio/visual equipment, computers, contractors' equipment, fine arts, and valuable papers and records. Contractors' equipment may be used off-premises to build, maintain, or service municipal streets and roads.

If any owned equipment is used or taken off-premises, the exposure increases. Fine arts such as statuary and paintings, artifacts, historical documents, rare or historical books, or manuscripts may be one-of-a-kind and irreplaceable.

If insured, valuation should be done by a qualified appraiser. Valuable papers and records are often delicate and must be protected from fire, water damage, vandalism, theft, or other losses. Duplicates of all files should be stored at an off-site facility for easy retrieval in the event of a loss.

Business auto exposure can be high if vehicles are used to transport public officials, guests, and visitors. All drivers must have appropriate licenses and acceptable MVRs. All vehicles must be maintained on a regular basis with records kept in a central location.

During inclement weather, drivers may be on the road for extended hours in adverse conditions. Supervision is necessary so drivers can be rotated and not become overly fatigued.

There may be a high non-owned auto exposure if employees use their own vehicles to run errands or attend meetings on municipal business. Employees should carry personal automobile insurance with adequate liability limits.

Ohio Municipalities Insurance - The Bottom Line

To learn more about the specific types of Ohio municipalities insurance policies you'll need and how much coverage your municipal buildings and operations need - speak with an experienced insurance broker who understands the unique risks that municipalities face.

Ohio Economic Data, Regulations & Commercial Insurance Minimum Requirements

Made In Ohio

If you're an entrepreneur, you know how important it is to research the location where you plan on setting up shop. No matter how how-quality and valuable the products and/or services your business offers may be, if you're situated in an area that isn't suitable for your operation (the wrong target demographic, a poor market, etc.), you just aren't going to achieve the success that you're hoping for.

If you're considering Ohio for your headquarters or for a new branch of your business, you definitely want to take the time to research the area before you set up shop. Below, we'll take a look at the economic trends of the Buckeye State, including employment rates and key industries that are thriving in the area. We'll also highlight some of the key forms of commercial insurance business owners need to carry when operating in Ohio.

Economic Trends for Business Owners In Ohio

The Buckeye State has seen a marked increase in job growth, which is indicated by the record low unemployment rate. According to the Ohio Department of Job and Family Services, as of April, 2021, the rate of unemployment was 4.3 percent; the lowest it's been in more than 18 years. In April the previous year, the rate was 4.6 percent, a difference of .03 percent in 1 year; however, and more notably, the rate has dropped .01 percent in just one month, as it was 4.4 percent in March, 2021. July, 2001 was the last time Ohio saw such a low level of unemployment, when the rate was 4.2 percent.

In January, 2010, the rate was an astounding 11.1 percent, so it's safe to say that there has been a definite decrease in the number of jobless people in the Buckeye State, which is a strong indication of the overall economy of the state.

The greater Cincinnati area is one of the best places for businesses in Ohio, where smaller cities are seeing the largest growth. Examples include Blue Ash, Beachwood, Independence, Sharonville, and Springdale. Industries that are thriving in Ohio include:

  • Advanced Energy and Environmental Technologies
  • Aerospace and Aviation
  • Automotive
  • Bioscience
  • Information Technology
  • Logistics and Distribution
  • Manufacturing
  • Oil and Gas
Business Insurance Regulations In OH

The Ohio Department of Insurance regulates insurance in Ohio. Certain policies are mandated in Ohio, meaning business owners must carry specific types of coverage. Business owners can protect themselves, the customers they serve, the vendors they work with, and their workers from various risks by investing in the right type of insurance coverage. Coverages that are required include:

Workers Compensation - Most Ohio businesses with employees are required to pay for workers comp. If your OH business has just one employee, you're probably required to carry workers' compensation insurance. In Ohio, workers' compensation insurance is provided through the state - rather than through private insurance companies.

Other forms of insurance that business owners may be required by contract or municipality. The amount of coverage business owners need to carry for each policy vary and depend on a variety of factors, including the size of the operation, the number of employees, and the nature of operations.

Additional Resources For Local, State And Federal Government Insurance

Learn about commercial insurance for local, state and federal government agencies, services, operations and buildings.


Local, State And Federal Government Insurance

Cooperative efforts between insurance professionals and public officials have led to the satisfactory arrangement of coverages for public properties that may include large building schedules spread over a number of locations and geographic areas.

Liability insurance protection is a matter of much greater concern. As governmental and charitable institutional immunity continues to erode, the onslaught of lawsuits makes adequate liability protection essential.

Public utilities have unique insurance needs usually best handled by specialists in their field.

Because government entities are becoming more inventive in raising money, they are involved in activities that may not appear to be government-related so that they may require coverages that at first glance do not seem appropriate for them.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Audio/Visual Equipment, Computers, Contractors' Equipment, Fine Arts, Valuable Papers and Records, General Liability, Cyberliability, Employee Benefits, Public Officials' Liability, Umbrella, Hired and Non-Oowned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Extra Expense, Flood, Computer Fraud, Forgery, Employment-related Practices, Business Auto Liability and Physical Damage and; Stop Gap Liability.


Request a free Ohio Municipalities insurance quote in Adel, Algona, Altoona, Ames, Anamosa, Ankeny, Asbury, Atlantic, Bettendorf, Akron, Alliance, Ashland, Ashtabula, Athens, Austintown, Avon, Avon Lake, Barberton, Beavercreek, Berea, Boardman, Bowling Green, Broadview Heights, Brook Park, Brunswick, Canton, Centerville city, Chillicothe, Cincinnati, Cleveland, Cleveland Heights, Columbus, Cuyahoga Falls, Dayton, Delaware, Dublin, East Cleveland, Eastlake, Elyria, Euclid, Fairborn, Fairfield, Findlay, Forest Park, Gahanna, Garfield Heights, Green, Grove City, Hamilton, Hilliard, Huber Heights, Hudson, Kent, Kettering, Lakewood, Lancaster, Lebanon, Lima, Lorain, Mansfield, Maple Heights, Marion, Marysville, Mason, Massillon, Mayfield Heights, Medina, Mentor, Miamisburg, Middletown, New Philadelphia, Newark, Niles, North Canton, North Olmsted, North Ridgeville, North Royalton, Norwood, Oregon, Oxford, Painesville, Parma, Parma Heights, Perrysburg, Pickerington, Piqua, Portsmouth, Reynoldsburg, Riverside, Rocky River, Sandusky, Shaker Heights, Sidney, Solon, South Euclid, Springboro, Springfield, Steubenville, Stow, Strongsville, Sylvania, Tallmadge, Tiffin, Toledo, Trotwood, Troy, Twinsburg, Upper Arlington, Wadsworth, Warren, Westerville, Westlake, White Oak, Whitehall, Willoughby, Wooster, Xenia, Youngstown, Zanesville and all other OH cities & Ohio counties near me in The Buckeye State.

Also find Ohio insurance agents & brokers and learn about Ohio small business insurance requirements for general liability, business property, commercial auto & workers compensation including OH business insurance costs. Call us (614) 407-1774.

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