Insurance

Protecting Pennsylvania Municipalities and Local Government Officials Against Liability

One of the greatest responsibilities of local government officials is protecting their municipality against liability. This requires an understanding of the vulnerabilities to loss as well as the prevention practices that will help control costs.

Risk Management Publications

The Governor’s Center for Local Government Services has developed two risk management publications that provide guidance in loss control practices for local officials. The first publication is the Risk Manager’s Insurance Guide and the second is the Insurance Primer for Municipal Secretaries. The publications contain information on the extent of municipal liability, types of municipal insurance, public risk management and how to purchase insurance coverage. The Center also provides training and technical assistance on risk management.

Fire Insurance

Fire Insurance Escrow List – Of particular importance to insurance companies, the escrow list shows the registration of municipalities with Act 93 of 1994.

National Flood Insurance Program (NFIP)

As of September 7, 2021, DCED no longer houses or has responsibility for any aspect of the National Floodplain Insurance Program (NFIP). Legislation fully transferred the program to the Pennsylvania Emergency Management Agency (PEMA) and Bill Bradfield will serve as the Pennsylvania NFIP Coordinator. For more information or questions, visit the Pennsylvania Floodplain Management and Flood Insurance webpage on the PEMA website.

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