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Police Boat Insurance

Police Boat Insurance

Keeping the waters safe is a tough job for any marine police officer. Many aspects of the job carry an element of risk, from approaching unknown vessels to dealing with intoxicated people and individuals carrying out illegal activities. This, coupled with the unpredictability of the water and weather, makes the job particularly high-risk.

If you’re part of the Marine Police, police boat insurance is critical as it protects you from liability claims. All police officers on land and water are at risk of being blamed for an accident that causes harm or injury. Any person should be able to continue their profession with peace of mind. You can’t do this if you have the threat of a lawsuit hanging over you.

The Water is a Dangerous Environment

Patrolling the waters isn’t just about ensuring that other boats are operating safely. Many illegal activities occur on the water, such as smuggling, trafficking, unauthorized immigration, and theft. In 2019, there were 4,240 thefts of watercraft across the US.

On top of that, boating accidents are frequent and can be very dangerous. In 2019, the Coastguard recorded 4,168 accidents involving 613 deaths and 2,559 injuries. Additionally, a whopping $55 million of property damage was also recorded. (Source: American boating)

As a Marine Officer, you have a duty of care towards those operating on the water. However, accidents can happen, especially if you’re required to use force. If you cause injury to another person or damage their property, you could be found liable. Police boat insurance is the best way to protect yourself against this potential eventuality.

XINSURANCE: Police Boat Insurance

XINSURANCE is an insurance brokerage that specializes in providing solutions for high-risk occupations and activities. Unlike your homeowner’s insurance which will likely have low limits and many exclusions, XINSURANCE will work to find you the coverage you require.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. Through our unique “all-in-one” approach, we are able to offer coverage even if you’ve been denied coverage previously or have a claims history.

XINSURANCE’s police boat insurance can provide coverage for:

  • Asset Protection
  • Legal Liability Protection On-Duty and Off-Duty
  • Wrongful Acts
  • Alleged Sexual Abuse or Molestation Liability
  • Alleged Assault & Battery Liability
  • Firearms Liability (Open and Concealed Carry)
  • Failed CPR
  • Income Protection When Suspended Without Pay
  • True Umbrella coverage
  • And more

With XINSURANCE, you can be assured that your coverage limits will be adequate for the job of Marine Officer. That means you won’t be left with a hefty bill should you be found liable for something you do while carrying out your duties.

If You Need Police Boat Insurance – Get in Touch with XINSURANCE

At XINSURANCE, we’re committed to finding the best coverage for you and your occupation. If you want to read more about what we do and what we can do for you, have a look at our website for more information. Our site includes our extensive product line and you’ll find police boat insurance detailed here.

Policing is an essential job, but only if our officers are free to carry out their duties without fear. Being on the water is extra risky, so don’t end up carrying more risk than you need to. If you’re a Marine Officer without proper liability coverage, get in touch with XINSURANCE and let us see if we can reassure you.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.