Public Entities

Public entities need many of the same insurance coverages that protect private companies, but because they’re funded by taxpayer dollars, state law dictates their limits of liability. Insurance brokers who aren’t familiar with Tort Reform and its implications on an individual’s ability to file claims and caps on payouts may recommend inappropriate levels of coverage. And with public budgets always under scrutiny, maintaining a cost-effective risk management program is a constant challenge.

Higginbotham has an insurance unit that has served Texas public entities like schools, municipalities and cooperatives for decades. We have working knowledge of the state laws that give public entities certain immunities to liability depending on the nature of their work. Armed with this information, we help guarantee that you don’t pay for coverage above your liability. And, our understanding of the governmental purchasing process for insurance helps keep you in complaince with regulations.


Common Public Entity Coverages

  • Extra Expense and Business Interruption
  • Governmental Ordinances
  • Public Officials Liability
  • Property
  • Auto
  • Boiler & Machinery
  • Errors and Omissions (E&O)
  • Employment Practices
  • Sexual Abuse & Molestation
  • Law Enforcement Liability
  • Educators Legal Liability
  • Cyber Liability
  • Workers' Compensation
  • Student Accident
  • Underground Storage Tank
  • Special Events


Risk Management

Public entities protect the community—a lofty responsibility that exposes them to highly visible lawsuits. Though you may be shielded from liability by Tort Acts, a lawsuit can damage your reputation beyond repair. Higginbotham helps you avoid and reduce the negative impact of claims and lawsuits by providing risk management solutions for crisis management, workplace hazards, operational risks and other unique liability exposures that threaten public officials.


Our Team

More than 100 public schools, charter schools, colleges, counties and cities in Texas rely on Higginbotham for insurance  and risk management services. Our public sector experts can help you too.