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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.


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.