Insurance For Police Officers and Law Enforcement

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Insurance For Police Officers and Law Enforcement



In response to the rise in scrutiny, allegations, and investigations against law enforcement officials, XINSURANCE is offering liability insurance for police officers and law enforcement professionals to protect their job and their assets.

With XINSURANCE, you will have the customized coverage you need through our all-in-one approach. By reviewing your operations and experience level, we create a policy made to fit your needs. So, no matter the risk or history, we are here to help you.

The expert team at XINSURANCE is standing by to answer all questions about Liability Insurance for Police Officers and Law Enforcement Professionals and to deliver high-quality coverage right now!

Disclaimer: This policy may not be offered in every state depending on applicable state and local laws. In addition, legal defense is provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy. Please contact us for more information.

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Police Officer Insurance Coverages Available

XINSURANCE’s all-in-one approach offers multiple coverages under one policy that provides wide-ranging protection. Available coverages include:

  • Asset Protection: This coverage offers protection for your personal assets, such as homes or vehicles, in the event of a successful legal judgment or lawsuit against you. The plan covers the gap between the original price of the property and its current market value.
  • Legal Liability Protection On-Duty and Off-Duty: This insurance provides personal liability coverage for law enforcement officers while on the job when moonlighting — such as when working part-time as a private security guard — or intervening in criminal activity while not on duty. This covers criminal allegations and bail.
  • Wrongful Acts: This coverage offers liability protection if a law enforcement officer faces allegations of actions such as false arrest, deliberate indifference to an individual’s medical needs in custody, invasion of privacy, or excessive force. It protects against claims of negligence or mistakes that result in harm to others while performing your duties.
  • Alleged Sexual Abuse or Molestation Liability: You need this coverage if a suspect or other individual you interact with while performing your duties accuses you of sexual misconduct.
  • Alleged Assault & Battery Liability: Apply this form of liability insurance to protect yourself against allegations of threats to someone’s safety or physical confrontations that cause injuries to others.
  • Firearms Liability (Open and Concealed Carry): For law enforcement officers that carry concealed weapons and are off duty, this insurance offers liability coverage when injuries result from using the firearm in a self-defense situation. We have a professional use firearm endorsement available.
  • Failed CPR: Law enforcement officers have a legal “duty to act” when encountering individuals who are in trouble or experiencing a medical emergency. This type of liability coverage protects officers accused of not performing potentially lifesaving functions such as administering CPR
  • Income Protection When Suspended Without Pay: A job-related incident could result in a police officer’s suspension during a subsequent investigation. This coverage temporarily replaces the officer’s lost income while suspended without pay.
  • Tru Umbrella: Our Tru Umbrella can cover any gap, limitation, or exclusion in any other insurance policy in force.

When Other Providers Say 'No', XINSURANCE Says 'Yes'

At XINSURANCE, we focus on covering the risks that other providers avoid. If you’ve been denied coverage elsewhere or had a previous policy canceled or non-renewed, we can help. We can also account for the gaps or exclusions in your current plan, giving you a more comprehensive protection solution. You can count on us to even help with settling older or open claims filed under other policies.

Our All-in-One Approach Gives You True Peace of Mind

When you select us as your liability insurance partner, you benefit from having all your coverages packaged under one plan. You’ll avoid the often confusing and cumbersome process of carrying several policies to meet each unique coverage requirement. This approach to liability protection also enables you to receive better service. You only have to deal with one underwriting team when evaluating your risks, and you’ll have more flexibility when updating your coverages as your needs change over time.

We Accept Risks of All Sizes

No matter your level of liability exposure or the value of your assets, we can provide the right insurance amount for your situation. While many umbrella policies only offer limits up to $1 million — or $5 million in some cases — XINSURANCE can deliver a plan with as much as $10 million in coverage, or as high as $20 million through the reinsurance process.

Excellent Service

Our liability insurance for police officers and other law enforcement professionals comes with exceptional customer service. Our in-house services include flexible underwriting and risk management expertise. If you need to file a claim, we’re available 24 hours a day to assist you, and we’ll do our best to expedite the settlement process. We’ll even review your existing policies at no cost to look for gaps increasing your exposure.

Enjoy a Smooth, Seamless Customer Journey

We’ve eliminated the hassles when applying for liability insurance for police officers. Start by filling out and submitting our online application form to our underwriters for review. We’ll then schedule a convenient time to discuss all aspects of the risk by telephone. Once we’ve received the information needed to make a decision and addressed your questions and concerns, we’ll send you a free, nonbinding quote. If you agree to the terms and pay the first premium, we’ll approve and issue your policy without delay.

Get Your Quote for Liability Insurance for Police Officers Today

In a time when law enforcement professionals are undergoing more scrutiny than ever, you can’t afford to be without essential liability insurance coverage. Don’t leave yourself vulnerable to a potentially devastating lawsuit — get a free quote from XINSURANCE today. To get started, fill out and submit the quote form at the top of this page.


As a law enforcement professional, you are highly skilled, trained, sworn, and committed to act and respond to the best of your ability.

Unfortunately, when something goes wrong there is plenty of blame to go around and law enforcement professionals are scrutinized at the highest level.

Personal liability coverage is of the utmost importance in today’s climate to help protect you in the event of an incident, claim or personal lawsuit.

Download this free ebook to learn how you can protect your job, your income, and your assets even in today’s litigious environment.

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With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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