What You Need to Know About Waco Public Entities Insurance

Waco public entities help to make Waco the wonderful city it is. Having the right Texas public entities coverage is vital. Waco parks, libraries, and police stations play a huge part in the beautiful place we call home, and the right Texas public entities coverage is an important part of protecting them so that they can continue to serve Waco for years to come. The truth is, a public entity needs excellent insurance coverage to safeguard it from the issues that can arise when you least expect them to. Too many people rely on your public entity to not have the right insurance coverage in place to protect it, and you deserve to have the right protection in place. 

You know that a restaurant down the street or your favorite local boutique needs the right coverage. However, it is important to remember that city-operated and government-run entities require good insurance protection just as much as privately-owned businesses do. Life is full of surprises and you are bound to face obstacles at some point down the road, but that doesn’t mean that you have to be caught unawares. When your Waco public entity has the protection it needs, you can be ready to handle whatever comes your organization’s way.

What the Right Waco Public Entity Coverage Includes


  • Texas public entities coverage offers you the general liability coverage that is right for your organization. This takes care of a variety of liability issues, including but not limited to coverage for others’ property that undergoes damage on your public entity’s premises and any injury issues that could come up. Ample liability coverage is not something you should have to go without, and the benefits of having the right protection are manifold. 
  • Workers’ compensation coverage plays a huge role in any public entity, whether it’s a library or a department of motor vehicles. You need to have the workers’ compensation coverage that safeguards your employees and your organization. Even if your public entity is a relatively low-risk environment, accidents can still happen and employees can still be injured. While you don’t want to imagine anything happening to your employees, you do need to be prepared to take care of such a situation. 
  • Commercial auto coverage can be an invaluable part of your coverage, depending on the type of public entity you have. A police department or fire station needs to have excellent commercial auto coverage at the ready. No matter how experienced a driver an employee is, things can still happen. Should a disaster come up, you want to have the right insurance coverage to handle it.
  • Ample cyber liability coverage is a vital part of a good public entities insurance policy. Cyber attacks can really hurt your organization if you don’t have ample coverage to help you handle the situation. The good news is, Waco public entities coverage can help your organization deal with any cyber attacks or other related issues. Being prepared can make a huge difference in such a situation, and it can make a huge difference for your public entity. 

Another thing to keep in mind is Texas commercial umbrella coverage. You want your public entity to have the layer of protection that can safeguard against the bigger issues that can arise. The fact is, sometimes you find yourself facing a claim that is just too large for your regular policy. That’s when your umbrella policy kicks in: it covers the gap amount in between your regular policy and the claim. 

Finding the Protection That Your Public Entity Needs


Here at Patterson Insurance, we understand the impact that your public entity has on Waco, and we want to help you protect your organization for many years to come. Talk to your Patterson Insurance agent about what coverages your specific public entity needs in order to thrive both now and in the future. Don’t settle for less than the right policy for your organization’s situation. 
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 you find the right Texas insurance coverage for your public entity in Waco. Don’t allow the unexpected to knock your organization off-course.