E. Public Officials Liability / Errors & Omissions

Coverage protecting the County, elected officials, and employees for claims arising from:

• Administrative decisions
• Regulatory actions
• Employment practices liability
• Wrongful acts by public officials

Coverage should include:

• Defense costs
• Coverage for board, commissions, and advisory bodies
• Employment practices liability

F. Workers' Compensation

Coverage for statutory workers compensation obligations under Indiana law, including:

• Workers' compensation benefits
• Employer's liability coverage
• Occupational disease coverage

G. Cyber Liability and Data Breach Coverage

Coverage addressing risks related to:

• Data breaches
• Cyber extortion
• Ransomware attacks
• Network interruption
• Privacy liability
• Digital asset restoration

Coverage should include incident response support and cyber forensic services.

H. Umbrella / Excess Liability

Respondents should propose umbrella or excess liability coverage providing additional limits above underlying liability policies.

I. Additional Coverage Options

Respondents may propose additional coverages that are commonly recommended for public entities, including:

• Crime / employee dishonesty