TAC Risk Management Pool

General Liability

• Provides coverage for claims alleging bodily injury and property damage arising from the condition or use of real property.
• Examples of these types of occurrences include slips and falls or equipment colliding with automobiles.

Public Officials Liability

• Provides coverage for elected and appointed officials, employees and volunteers for claims arising from the performance of official county duties.
• Provides a defense for claims such as workplace discrimination, harassment, retaliation, wrongful termination, alleged malicious prosecution by county prosecutors and claims under the Americans with Disabilities Act.

Law Enforcement Liability

• Provides coverage for elected and appointed officials, employees and volunteers for claims arising from the performance of law enforcement duties.
• Provides a defense for claims such as excessive force, wrongful arrest, failure to provide medical care in jails and inadequate or improper jail conditions.

Auto Liability

• Coverage provided for bodily injury and property damage caused by the negligent use of a covered auto. Includes options for Hired/Non-Owned, Personally Owned Vehicles for Law Enforcement, Personal Injury Protection and Un-Insured/Under-Insured Motorist Protection.
• State tort limits are standard and increased limits are available.

Cyber Liability

Cyber liability or PSEL ( Privacy or Security Event Liability and Expense) provides coverage for data breach and privacy response, including:

• Credit monitoring - Provide the option of credit monitoring services to those individuals whose data has been compromised.
• Forensic investigations - Investigation into the cause of the data breach.
• Public relations - assistance with communications regarding the breach and the county's response to those affected and to the public.
• Legal fees - Attorney's, court and other legal fees incurred following the data breach, subject to sublimit.
• Regulatory proceedings and penalties - Coverage for regulatory proceedings and penalties incurred.
• eRiskHub® Portal powered by NetDiligence® – TAC RMP Members participating in the Public Officials Liability program have access to a Cyber Liability Risk Portal. The site delivers a wealth of information to help counties understand the exposures, develop a response plan and minimize the effects of a breach of organization’s data.