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Law Enforcement Liability Insurance for Police Officers

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Working in emergency services, whether you’re a firefighter, EMT, or a police officer, means that there’s a good chance that you’ll one day find yourself in a situation that could leave you legally liable. While you may have gotten into your job to keep people safe, you may end up finding yourself in trouble..

It may be a good idea to get your hands on a law enforcement insurance policy. Due to the complicated nature of this kind of insurance, we’ve created this handy guide to police officer insurance, and we’ll break down the various forms of coverage, the average cost of insurance, and the top insurance carriers available.

Police Officer Liability Insurance

Law enforcement general liability insurance tends to be one of the most common types of insurance policies police officers get.This insurance applies to the following situations:

  • A police officer tackles a fleeing suspect while in pursuit
  • A police officer damages others property while driving a vehicle to catch a suspect
  • The police officer makes a warning shot and unintentionally ends up injuring the suspect
  • The police officer is filed with a lawsuit and accused of manhandling the suspect

To make it simple, the terms of general liability insurance for police officers apply for injuries and property damage caused while a law enforcer is exercising authority. For errors and ommissions causing property damage or bodily injury,  law enforcers can turn to professional liability insurance. 

Professional Liability Insurance for Police Officers

The next type of police liability insurance is professional liability coverage. Unlike general liability insurance, this form of coverage applies when someone accuses a police officer of performing their duties improperly, even if they committed a simple mistake while performing their job.Situations where this applies is when a police officer’s gun accidentally goes off in public, when failing to render services when needed, and when failing to exercise preventive measures while apprehending a person. . 

Law Enforcement Car Insurance

Auto insurance for police officers is something that the individual officers rarely have to worry about unless they’re using their private vehicle for their job. In that case, you’ll need a law enforcement auto insurance policy, which is a form of commercial auto insurance that will apply while you’re working.

Keep in mind that even the best car insurance for police officers will still be more expensive than other commercial auto insurance policies. This is due to the increased risk of a collision occurring while a police officer is using their vehicle thanks to the potential for high-speed chases.

Umbrella Insurance for Police Officers

Insurance for police officers typically features similar policy limits to other liability policies, typically coming out to a limit of between $1 million to $3 million. However, this doesn’t account for the fact that police officers are regularly exposed to situations where settlements can be much higher.

If you want a form of insurance for cops that will protect you if you get charged more than your policy limit, you’ll need to opt for an umbrella cop insurance policy. These policies are relatively affordable and they will ensure that you never have to pay out of your own pocket for a large settlement.

Law Enforcement Insurance Discounts

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.

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Police Officer Liability Insurance Cost

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.

You’ll also need to account for the history of the individual looking for a police professional liability insurance policy. If a particular officer is looking for a policy and they have a history of making claims, then their insurance will end up being more expensive because the insurer is taking a larger risk by working with them.

CompanyCost per monthCost per year
FLEOA$54$648
Travelers$62$744
Xinsurance$63$756
Average Cost$59.60$716

These numbers are meant to represent a reference point that you can use to determine how much your insurance will cost but there’s no guarantee that they’ll be the same for you. The average cost of police officer insurance per month came out to $59.60 while the average cost per year amounted $716.

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Best Insurance for Police Officers

If you’re looking for the best police officer insurance policy, it’s usually a good idea to start with looking for the best insurance carrier. We’ve gone ahead and collected three of the top insurance companies that work with police officers in this part of our guide and we’re going to give you a brief rundown of their services.

FLEOA Liability Insurance

FLEOA insurance is offered by FEDS, also known as Federal Employee Defense Services. FEDS has been in business since 2007, and they were founded with the goal of protecting law enforcement professionals and other federal employees from litigation and wrongful charges.

FLEOA Insurance Policy Details

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.

Pros
  • Affordable

  • Range of coverage options

  • Experience in the field

Cons
  • Slow to provide quotes

Average cost: $54

Best for: Affordable coverage

Our rating: 5/5

Travelers Law Enforcement Insurance

Travelers is one of the oldest insurance companies in the United States, and like their competitor, The Hartford, they have survived several catastrophes that have dissolved other insurance companies. They were one of the first companies in the United States to offer accident insurance to travelers.

Travelers Insurance Policy Details

Travelers offers 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.

Pros
  • Additional personal property coverage

  • Umbrella protection available

  • Covers officers while moonlighting

Cons
  • Costly

Average cost: $62

Best for: Undercover or moonlighting officers

Our rating: 4/5

Xinsurance Law Enforcement Insurance

Xinsurance is an insurance company that specializes in providing high-risk insurance that many other insurance companies may be reluctant to offer. For example, they offer guard dog, security guard, tattoo shop, and pilot insurance. Alongside all of these, they also offer police officer coverage.

Xinsurance Policy Details

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.

Pros
  • Huge variety of coverage options

  • Umbrella coverage available

  • Quick to respond to claims

Cons
  • Expensive

Average cost: $63

Best for: Comprehensive coverage

Our rating: 4/5

Compare Law Enforcement Insurance Quotes Online

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