Texas Public Entities Insurance Coverage: What You Need to Know

A public entity helps to hold the fabric of society together. Having the right Texas public entities coverage is an invaluable asset, and it can make a huge difference in the community when a park, library, or even a local police car has the insurance coverage it needs. 

The fact is, a public entity can be very vulnerable when it does not have ample insurance coverage, and the last thing you want is for your organization to be at risk because it is insufficiently covered. Public entities play a crucial role in all of our lives here in Texas, and it helps everyone involved when the right insurance protection is put in place.

It can be easy to forget that cities, counties, and government-run entities need insurance protection just as much as – if not more than – a local restaurant or a Texas boutique. Don’t let the obstacles that can come up destroy your public entity; instead, be prepared to handle the tricky issues and have the coverage you need to help you through. It can make all the difference when you have the insurance protection that fits your particular organization – after all, we all know how hectic the world can be, but being prepared for whatever scenario presents itself is a valuable asset. 

What the Right Texas Public Entities Coverage Can Offer

  • The right Texas public entities coverage can offer you the general liability coverage you need. General liability covers a lot of different issues, and it is an important part of safeguarding your public entity. If a guest gets injured at your organization, you need to have the right coverage to deal with the situation. This can also cover other people’s property if it is damaged on your organization’s premises. 

  • Every public entity needs good coverage for workers’ compensation. Should your organization’s employees get injured, this can help not only with the cost involved with workers’ compensation, but also with any lawsuit your public entity may face because of an injured employee. Medical expenses can be hefty, and you don’t want your organization to suffer from the high costs, nor do you want to have to pay for the lost wages without the right insurance coverage. No matter the number of employees, you need excellent workers’ compensation coverage. An employee can be injured even under the safest conditions, so don’t let yourself be caught off-guard.

  • Depending on your public entity, commercial auto coverage can be a crucial part of the right coverage. The local police department, for example, needs to have the right auto coverage to cover their police vehicles. The fact is, even the most careful and experienced  drivers can make a mistake or be in the wrong place at the wrong time, so having adequate coverage is important.

  • Cyber liability can and should be covered. Think about it: a cyber attack can wreak a lot of damage in a very short period of time, and without the right insurance coverage to help take care of the situation, it can create quite a few problems for your organization. Fortunately, Texas public entities coverage can help you deal with any unpleasant cyber issues that arise. 

  • Commercial umbrella coverage is an important facet of protecting your public entity.  Sometimes, issues come up that are just too big to be covered by a regular policy, and that’s when your Texas umbrella coverage kicks in and covers the part of the claim that isn’t covered by the regular policy. Having the right umbrella policy can benefit your public entity greatly.

Insurance Protection That Can Make a Difference

Here at Patterson Insurance, we know all about the difference that public entities make in the community, and we believe that they should be protected from the unexpected issues that come along. Talk to your Patterson Insurance agent and find out what features your policy needs to have in order to help your organization thrive. 


You can call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can help find the right insurance coverage to take care of your Texas public entity. You deserve to have the peace of mind that comes with knowing you have the protection you need most!