Top 3 Benefits of Law Enforcement Insurance

Law Enforcement Insurance

Police officers work hard to protect and serve in their communities. Law enforcement duties require police officers to be in harms way, both physically and legally. There is protection available through law enforcement insurance to provide these three benefits.

Protects Individual Officers

The coverage police departments and municipalities purchase may not extend to claims against the officer as an individual. Besides worrying about their own conduct, officers can also find themselves in legal trouble through the vicarious liability of their subordinates.

Pays Defense Costs

Officers who are individually named in lawsuits brought by criminals or other persons who had contact with the department may be liable for their own defense costs. Even if the officer is ultimately found not guilty of any wrongdoing, it can cost thousands of dollars in legal fees.

Provides Additional Coverage

Since police officers may be the first on the scene in medical emergencies, law enforcement insurance also covers claims surrounding their duties to administer first aid. In addition, policies may offer coverage for intentional acts which is often an exclusion in many other types of policies. Other included coverages are for claims of the mental anguish brought against the officer.

The legal climate for police officers is in the midst of great upheaval. Officers need to protect themselves and hedge against trouble with the proper insurance.