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Retired Police Officers: Protecting Yourself From a Lawsuit


Since 2004, the Law Enforcement Officers Safety Act (LEOSA) gave “permission” to two classes of people to carry a concealed firearm within the U.S. and its jurisdictions, regardless of state or local laws (with certain exceptions); they include any “qualified retired law enforcement officer” and “qualified retired or separated law enforcement officer.”

Yet why after turning in their shield after 20 some odd years of service, would retired law enforcement officers need a concealed firearm? The firearm gives them the ability to continue to defend themselves and protect their loved ones — and with years of experience behind them, they’re a potential asset in any dangerous situation that may arise.

But what if you use the firearm in an act of self-defense and someone gets hurt? Or there’s an accident with the firearm? What if it’s stolen, and it causes harm after it’s left your hands? Fact is, you’re possibly liable in every case, and that can cost you dearly.

Gun owners are generally held responsible for damages resulting from negligent or willful acts involving their firearms, even if the negligent or willful act takes place after the gun is stolen. XINSURANCE understands that this exposure can have devastating consequences, putting you in jeopardy.

XINSURANCE is powered by Evolution Insurance Brokers, an excess and surplus lines insurance brokerage. XINSURANCE provides customized specialty insurance solutions for ever-changing risks and liability issues, including property and casualty insurance — and coverage for concealed firearms.

We’ll safeguard your assets from the threat of a devastating lawsuit. We’ll even defend you in the event you are named in an incident, claim or lawsuit.

Bottom line: while you’re in the process of protecting your family, XINSURANCE will help protect you.

For more information about XINSURANCE or to get a quote, go to our Police Officers page.