EN
Effective protection of insurance interest of local government in the field of civil liability requires consideration of the two areas of functioning: dominium and imperium. The main attribute of local government is exercising of public authority. Insurance of this area of activity requires the inclusion of pure economic loss into contract. A study conducted on 45 municipalities showed that the main areas of activity are covered by general liability insurance in most of the municipalities. In 2/3 of the examined municipalities pure economic loss resulting from official authority is covered by insurance. The insurance in most cases is based on act committed trigger, which is the best solution both from the point of view of the insured as well as the potential victim.