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Working in emergency services, whether you’re a firefighter , EMT , or police officer, means you can get legally liable. It may be a good idea to get your hands on law enforcement insurance. Due to the complicated nature of this kind of insurance, we are here to assist.
This article features business insurance for law enforcement officers, including coverage options, costs, and top insurance carriers available
Police officers can sometimes cause injuries while working, similar to private investigators. Injured persons can file a personal injury claim in return. When it comes to police officers, legal costs and settlements can be very harsh. And without necessary protection, they can easily face financial problems after paying large sums of money.
Law enforcement general liability insurance sees to it that police officers don’t shoulder the financial burden when they face personal injury claims.
This insurance provides $1 million up to $2 million coverage minimum, which is more than enough to pay for minor injuries a person sustains.
Performing one’s duties as a police officer takes time. And if a police officer has just started his career, then mistakes can happen. People can file a lawsuit against the police officer for his mistakes. That’s why there’s professional liability insurance that can help.
Professional liability coverage will take care of lawsuits accusing a police officer of committing malpractice, where it was actually an honest mistake or error.
In addition, professional liability insurance for police officers will also pay the payment to the plaintiff if ever the lawsuit turns out unfavorable . Malpractice examples are;
Many police officers face lawsuits accusing them of using excessive force. Commonly, the persons filing the lawsuit may seek settlement amounting to more than $3 million.
Car accidents are one of the leading causes of death of police officers. The Center for Disease Control and Prevention states that 1,387 police officers died in 2011 – 2020, and 21% are vehicle-related.
Car accident, police officers might get involved while driving, is hitting a pedestrian or hitting another car. In terms of the latter, PAHO’s publication provides an idea about the likelihood of severe injuries to a pedestrian in relation to how fast the colliding vehicle is.
| Speed | Likelihood of Fatal Injuries (expressed in percentage) |
| 10 – 30 kph | 15% |
| 40 – 50 kph | 85% |
| 60 – 70 kph | 100% |
On the other hand, WHO’s (World Health Organization) short publication provides insights about the consequences about what can happen when a car crash happens:
According to a report published in 2004 , Most fatalities, because of accidents during a police pursuit, involve pedestrians.
The same report states that 104 who died were non-motorists and 948 were people who were in another vehicle. In conclusion, at least 1,052 casualties were collateral deaths of a police pursuit accident.
Getting auto insurance for police officers is highly recommended. Specific policies that fit police officers best are personal injury protection and auto liability coverage.
| Type of Injury/damage | Cost |
| Death | $1,654,000 |
| Affecting the victim’s quality of life | $96,344 |
| Minor injuries | $25,768 |
| Destroyed vehicle | $5,678 |
Get all the best quotes from leading providers in a click of a button!
If you’re looking for a law enforcement insurance discount, then you’ll be happy to hear that many first responders are entitled to discounts. These discounts can apply to individual police officer liability insurance but they can also apply to unrelated forms of insurance like auto and homeowners coverage.
If you provide proof that you’re a member of a police department to your insurance company, you can expect to get between a 2% and 10% discount on your cop insurance premiums. Discounts may be higher on specific policies for police officers like police misconduct insurance.
The cost of law enforcement professional liability insurance can vary dramatically based on the form of coverage you’re looking for as well as who the policy is for. For example, police department insurance will typically be more expensive than insurance for off duty police officers.
FLEOA insurance is offered by FEDS, also known as Federal Employee Defense Services.
Federal law enforcement liability insurance is available through FEDS, and they offer a range of different coverage options, including civil coverage against suits where you’re not covered by the DOJ. They also offer administrative and criminal coverage to their clients.
Average cost : $54
Our rating : 5/5
Travelers is one of the oldest insurance companies in the United States.They law enforcement liability coverage to both individual police officers and police departments.
Their coverage applies to official activities and moonlighting and they offer an additional payment of $25,000 for physical damage to personal property that is on a suspect when they are arrested.
Average cost : $62
Our rating : 4/5
Xinsurance has a variety of forms of coverage available for police officers, ranging from asset protection to legal liability protection both on- and off-duty. They also cover you against wrongful acts, alleged assault and battery, firearms liability, and failed CPR.
Average cost : $63
Our rating : 4/5
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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