Law enforcement officers have high-risk jobs with unique insurance needs. An officer may assume their department protects costs associated with lawsuits, but this is not always the case.
The number of lawsuits against law enforcement and criminal personnel has increased substantially in recent years. Even if these claims ultimately do not result in settlements or judgments, the legal defense costs can be rather costly.
Some common claims against law enforcement individuals and agencies include:
- False arrest
- Failure to protect
- Excessive force
- Civil rights violations
These policies cover departments, municipalities and officers, including:
- Police departments
- Sheriff’s departments
- Security companies
- Airport authorities
- College or university police
Working in this profession comes with many stressors. Concerns about adequate insurance coverage don’t have to be one of them. Police officer liability policies typically cover property damage claims, bodily injury, slander or libel committed on behalf of a public entity during official law enforcement job duties.
Coverage is dependent on many factors that consider the unique needs of your agency. The best way to determine if this type of policy is right for an individual officer is to evaluate his situation together with the department and a qualified insurance agency.