Being a police officer or any kind of law enforcement professional can be extremely stressful. The last thing you need to worry about is whether you have adequate insurance. You might think or even assume that your department can provide insurance or cover legal costs but sometimes your department can’t or won’t cover everything. Whether you work for the police department, sheriff agency, or other public safety organization that enforces the law and protects persons or property, through our partners, we can offer individual liability insurance to protect you.
What Does It Cover?
Coverage for bodily injury, personal injury, or property damage caused by a wrongful act while conducting law enforcement activities or operations.
We also have Legal Liability protection that covers the following:
According to Nelson Miller, Associate Dean of Western Michigan University’s Cooley Law School, some examples of some claims can be one of the following:
Income Interruption Policy
Through our partners, we can also offer Income Interruption Policy to protect officers in the event their income is reduced due to a suspension, demotion, or termination. With an increasingly hostile climate and pressure for disciplinary action by police departments, officers should be prepared in the event their pay is disrupted. The Income Interruption Policy will provide officers the difference in income between their base pay and reduced pay up to the policy limit.
How Do Know If I Need Personal Liability Insurance?
Things to ask yourself before considering a personal liability insurance policy:
If you are unsure about any of these questions, consider a personal liability insurance plan. We can offer customized and flexible law enforcement liability insurance to protect you from lawsuits and financial loss.
Being a police officer can have its uncertainties and unexpected events. So why be worried about what might happen after those situations? Do yourself a favor and be worry-free with Harris, Reed & Seiferth Insurance Group's personal liability insurance for LEO's.
To learn more, or apply, please contact us for an application.
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