Liability


PDRMA provides members with a comprehensive liability program, offering customized coverage against liability exposures and limits that far exceed the industry average. Our innovative approach provides high liability limits by creating and participating in risk purchasing programs and an insurance captive.

Government Entities Mutual (GEM) is an insurance-captive company founded by PDRMA and 14 other risk pools. Through GEM we receive comprehensive liability coverage at the most competitive price for our members.

PDRMA's Liability Coverage program includes:

  • General liability.
  • Auto liability.
  • Employment practices liability.
  • Employment benefits liability.
  • Public officials' errors and omissions.
  • Volunteer medical benefit.

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