Government entities are typically responsible for the decisions and acts of their employees, board members and volunteers when carrying out their duties for the organization. Occasionally, those decisions and acts create difficult situations that may lead to a lawsuit for damages and a costly defense.
EMC’s linebacker policy provides protection for liability and defense costs for the wrongful acts of insureds that may occur through the process of conducting business: actual or alleged errors, misstatements or misleading statements, acts or omissions, and neglect or breach of duty by an insured. The policy also provides employment-related practices liability coverage for harassment, discrimination, wrongful termination and other employment wrongful acts.
Linebacker coverage is available for public schools, political subdivisions and related entities such as water, sewage and sanitation districts, fire departments, and parks and recreation boards.