If a local council or public body already has a public liability insurance policy, does it need to take out this type of product?

Public Authorities and Staff Liability insurance is a specific kind of insurance for the public authority’s staff when they are performing their duties. It protects their personal assets against any financial claims made against them, whereas general liability insurance provides cover when damage or injury is caused to a third party in the course of the authority’s activities.

If the people holding the posts change or new staff join, does the policy need to be changed?

AXA’s policy is unnamed, meaning it covers staff of the current public authority.

Does this insurance make sense for a local council or public body?

The law stipulates that public authorities and their staff have a personal obligation to pay compensation when they cause damage or injury as a result of wrongful acts committed while performing their posts or roles. They thus require a specific product tailored to their needs and the scope of their work in the public sector.

Does this insurance cover the assets of the public authority as the policyholder?

This insurance doesn’t cover the policyholder’s (the public authority’s) assets, except under the “Employment Practices Liability” cover where it is considered the insured; rather, it protects individuals.

Public Authorities and Staff Liability Insurance

We protect the personal assets of public authorities and staff against third-party claims for financial loss arising from a wrongful act committed in the exercise of their authority or while performing their duties for the government.

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Garantías exclusivas para administraciones públicas

Reclamaciones por protección de datos
Pérdida o extravío de los expedientes o documentos
Gastos Temporales de Inhabilitación
Asegurado en entidades dependientes y externas de derecho público opcional
Responsabilidad de Arquitectos e ingenieros al servicio de la Administración (Opcional)

Other covers

Liability of public authorities and staff

against spouses, domestic partners, heirs, legatees, legal representatives or successors-in-title

Claims

For employment practices

Public liability

And media relations (risk management)

Expert fees

Spanish jurisdiction

Emergency costs

Claims made

Communication costs

First 12 months free

Reputation recovery costs

Legal defence and assistance

Bond expenses

Territorial limit

Time limit

Discovery period

Psychological counselling costs

Who is it for?

Public authorities and staff:
• Permanent public employees, temporary public employees and non-established public employees.
• Elected officials and political appointees
Who can make a claim?

The public authority or local council, as the party harmed by a wrongful act committed by the insured (by way of recourse, for damage to its property and rights)
Third parties, as parties harmed by wrongful acts of public authorities or staff due to their liability arising from the performance of their duties or positions
The Court of Auditors (or another audit body of a regional government) when claiming for damage resulting from an investigation carried out by these bodies

Why choose AXA?

INSURED

Broad definition of the insured

Employees named as co-defendants alongside an officer, any current, past or future director or officer, any de facto director, risk manager, administration secretary or deputy secretary, etc.

RETROACTIVE COVER

Unlimited retroactive cover

We cover claims arising from acts committed before, during the term and up to two years after the expiry of the policy which were not known to the insured

reclamaciones de adminitradores directivos

CLAIMS

Claims against the insured

Made anywhere in the world (except the USA and Canada)

The best service to provide you with the best support

Lawyer service

To represent you

Single point of contact

Throughout the entire course of the claim

1750

AXA agents are on hand to meet your needs

Our AXA agents can guide you towards practical, quick solutions.

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These documents can be very helpful

Insurance product information document
Information note

Other insurance options you might be interested in

We're here to answer all your questions

Public Authorities and Staff Liability insurance is a specific kind of insurance for the public authority’s staff when they are performing their duties. It protects their personal assets against any financial claims made against them, whereas general liability insurance provides cover when damage or injury is caused to a third party in the course of the authority’s activities.
AXA’s policy is unnamed, meaning it covers staff of the current public authority.
The law stipulates that public authorities and their staff have a personal obligation to pay compensation when they cause damage or injury as a result of wrongful acts committed while performing their posts or roles. They thus require a specific product tailored to their needs and the scope of their work in the public sector.
This insurance doesn’t cover the policyholder’s (the public authority’s) assets, except under the “Employment Practices Liability” cover where it is considered the insured; rather, it protects individuals.

Need help?

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