What it does
Under CG 24 14 the insurer will waive any governmental immunity of the insured in adjusting claims and defending suits, unless the insured requests in writing that it not. The waiver does not expose the insurer beyond the limit. The 04 13 edition applies to the CGL, Liquor, OCP and Railroad Protective coverage parts, among others.
Who needs it
Municipalities, counties, school districts and special districts.
Quoting and selling notes
- Discuss with the public entity's counsel; waiving immunity can increase claims.
- Many public entities insure through risk pools or self-insurance; when an ISO CGL is used, review the full set of governmental endorsements together so road, police and riot exposures are placed somewhere.
