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Why Police Officers Should Have Individual Liability Insurance

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, XINSURANCE offers individual liability insurance solutions to protect you.

What Does Individual Liability Insurance Cover for a Police Officer?

We provide 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:

  • Immediate cash bail funding
  • Compensation while in court
  • Civil suit damage protection

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:

  • Excessive-force for allegedly shooting or beating an unarmed suspect when that force was more than necessary to accomplish the lawful restraint objective
  • Cruel-and-unusual punishment like an alleged denial of medical treatment for a known serious medical need, excessive restraint or isolation, deprivation of food or other necessities or for other allegedly cruel treatment
  • Officers direct their action toward silencing the claimant’s speech or interfering with an assembly, such as in dispersing a public protest or march

How Do You Know If You Need Personal Liability Insurance as a Police Officer?

Things to ask yourself before considering a personal liability insurance policy:

  1. Do you have a track record of operating out of scope?
  2. Does your department offer financial assistance for lawsuits?
  3. What does your department cover?

Police Officers Should Also Consider an Income Interruption Policy

XINSURANCE also has an 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.

Contact XINSURANCE Today for a Quote on a Personal Liability Insurance Plan

If you are unsure about any of these questions, consider a personal liability insurance plan. XINSURANCE offers customized and flexible law enforcement liability insurance solutions 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 XINSURANCE’s personal liability insurance.

To learn more, contact us.

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.