This specialized liability policy is available from a number of insurers. It covers the liability requirements of cities, counties, townships, and other public entities. In certain states, the coverage insures the liability imposed on the public entity by law and liability that the public entity assumed by contract to the extent that it could legally do so. Some public entity policies cover specific personal injury offenses in addition to bodily injury. The definition of insured includes the named public entity, as well as its additional insureds, officials, servants, and employees. This coverage applies to both commercial general liability and auto liability. This explanation of insurance benefits is provided by Insurance Marketplace.