Police Officer Insurance

Specialty insurance solutions tailored to your unique needs.
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Protecting those who protect us - customized insurance solutions for police officers.

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

What is Police Officer Insurance?

Police officer insurance is specialized coverage designed to protect law enforcement professionals from the unique risks they face. It offers enhanced liability protection in the event of accidents, incidents, claims, and lawsuits.

XINSURANCE offers customized coverage solutions including legal liability protection for on-duty and off-duty officers, wrongful acts, alleged assault and battery, firearms liability, income protection when suspended without pay, and more.

We specialize in creating customized insurance solutions tailored to the specific needs of police officers, ensuring comprehensive coverage. By having police officer insurance, you can have peace of mind, knowing that you can be financially protected and supported, even in difficult situations. Our expertise and commitment to your well-being make us an ideal insurance partner for police officers.

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.

Who Should Have Police Officer Insurance?

  • Police Officers
  • Law Enforcement Officers
  • Patrol Officers
  • State Troopers
  • Sheriff Deputies
  • Correctional Officers
  • Campus Police Officers
  • Transit Police Officers
  • And More!
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Police Officer Insurance Coverage Options

Moonlighting Coverage

This insurance provides personal liability coverage for law enforcement or police 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 police 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.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Criminal Defense Coverage

Provides protection for criminal allegations until you are proven guilty. However, if you are found guilty, we will seek reimbursement for the funds that were paid for your legal defense.

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.

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.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal you own, such as a police dog. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

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Free eBook for Police Officers

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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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Police Officer Liability Insurance

What if police officers already have coverage through their employer or another provider? Do they need additional coverage?y need

If you already have an insurance policy through your employer or another insurance company, note that there may still be gaps and exclusions in you coverage that could leave you exposed to financial risk and liability. XINSURANCE specializes in filling these gaps and offering customized insurance solutions.

We can review your current insurance policy at no cost or obligation to identify the gaps and exclusions that are leaving you exposed. Upon review, we may offer coverage solutions that can leave you with true peace of mind.

Can police officer insurance provide coverage for off-duty incidents?

Yes, XINSURANCE can provide coverage solutions for off-duty incidents that fall within the policy’s scope, ensuring you are protected 24/7, whether on or off-duty.

Can I customize my police officer insurance policy?

Through XINSURANCE, yes, we can help you customize your insurance policy. Our goal is to provide an all-in-one solution so your coverages fall under one policy. XINSURANCE offers insurance solutions that can be tailored to your specific needs as a police officer. This ensures that you have comprehensive coverage without any gaps.

How much does police officer insurance cost?

The cost of police officer insurance can vary depending on a variety of factors such as the level of coverage required, the experience level of the police officer, claims history, the specific risks faced by the individual, the location, and much more.

Contact XINSURANCE to get an accurate estimate of the cost of police officer insurance for you.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We can also help you if you’re just starting your career or have a claims history. We step in to provide an insurance solution when others can’t or won’t.

Why should I have police officer liability insurance?

You need police officer liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having liability insurance can protect you from significant financial loss and sometimes can be the difference between staying in business or closing your doors. In some places, liability insurance may be required.

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What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service