Sector Insurance Solutions

Public Sector

Manage regions, cities, municipalities and their organisations with greater confidence. SATUM’s insurance solutions ensure municipalities effective protection against the risks of public asset management.

Core Insurance Products

Based on risk analysis, client needs and market offerings, we design insurance programmes precisely tailored to your business. Contact our specialists for more information.

Municipal Operations

Investment Insurance

Provides protection of funds invested in municipal development projects and infrastructure.

Commercial Companies Insurance

Provides property and risk protection for municipal commercial companies.

Contributory Organisations Insurance

Provides property, liability and specific risks insurance cover for public sector organisations.

Municipal Insurance

Provides comprehensive property, liability and specific risks cover for municipal authorities.

Other Insurance

Regional Government Insurance

Provides specialist property, liability and specific risks cover for regional authorities.

Cyber Risks Insurance

Provides protection from financial impact of cyber attacks, data breaches and IT outages.

Institutional Liability

Council Members Liability Insurance

Covers council members’ obligation to compensate financial harm from duties performance.

Ecological Damage Insurance

Covers remediation costs for ecological incidents and liability for third party damage.

Incorrect Official Procedure Insurance

Covers authority liability for damage from incorrect decisions or errors in administrative procedure.

Property Damage and Bodily Injury Liability Insurance

Covers financial consequences of damage caused by institution to third parties.

Other Insurance

Management and People

Property in Custody Insurance

Covers damage to property entrusted to institution employees for work duties.

Accident and Life Insurance

Financial security in case of injury, illness, permanent effects or other life events.

Pupils and Students Accident Insurance

Provides benefits for pupils and students injured during lessons and school-organised events.

Councillors Liability Insurance

Provides protection from claims for damage arising from decisions in representative bodies.

Other Insurance

Fiduciary Duty Liability Insurance

Provides compensation for financial harm from errors in fiduciary duties performance.

Supplementary Pension Savings

Provides regular pension income above state pension with government support and tax benefits.

Employees Liability Insurance

Covers damage caused by employee to employer.

Travel Insurance

Provides medical expenses cover, assistance and damage compensation during travel.

Vehicles

Additional Insurance

Additional cover for glass damage, luggage, injury or assistance costs.

Driver Accident Insurance

Special additional cover for driver bodily injury from traffic accident.

Cargo Insurance

Cargo insurance covering goods damage during transport by land, sea or air.

Legal Expenses Insurance

Covers legal representation costs in disputes and claims for compensation.

Other Insurance

Working Machinery Insurance

Covers machinery and equipment damage from accident, natural disasters, vandalism or theft.

Goods in Transit Insurance

Provides compensation for damage or theft of items transported in vehicle.

Motor Insurance

Compensates vehicle damage from accident, theft, vandalism or natural disasters.

Motor Third Party Liability Insurance

Compulsory motor third party liability insurance for injury caused to third parties.

Other Insurance Services

Do you need to cover specific risks in the public sector?

At SATUM we will prepare an insurance programme that covers all challenges associated with managing regions, cities, municipalities and their organisations. Each public administration institution has its unique needs that deserve appropriate protection.

Contact the SATUM Team
for Public Sector Insurance

Team Leader

Ing. Václav Králík

Business Project Director

Our public sector team at SATUM comprises specialists who understand the specifics of municipal insurance. We know how to properly set up protection for entrusted assets, liability of elected representatives, and operations of contributory organisations. With thorough knowledge of public procurement law, we create solutions that comply with legal requirements whilst protecting your interests to the fullest.

We continuously monitor legislative changes in public administration and actively engage in discussions about risk management in the public sector. We are ready to advise on optimising your municipality’s insurance programme and help you effectively protect entrusted assets and liability. Contact us for a consultation tailored to your specific needs.

Common and Emerging Risks
in the Public Sector

Municipalities and public sector organisations face not only traditional but also newly emerging risks that can fundamentally affect their operations and management of public funds. It is important to monitor societal trends and prepare for future challenges.