A Short Guide To Police Liability Insurance Coverage

Most people are aware of the fact that working in law enforcement comes with a significant amount of risk to one’s safety.  Dealing with people who have broken the law opens you up to the risk of injury or worse.  However, many people are not aware of the fact that individuals working in law enforcement also face a significant amount of financial risk.  There is a very real chance that you could end up getting sued for your conduct in a law enforcement situation.  Luckily, police liability insurance coverage is widely available and can help mitigate this risk.

What Exactly Is Police Liability Insurance?

Police liability insurance is essentially a type of insurance coverage that is specially designed to protect individuals working in law enforcement from a variety of financial risks.  Some of the things covered include:

  • Unlawful arrest
  • Unlawful search and seizure
  • Excessive force

What Is The Cost Of Police Liability Insurance?

The cost of police liability insurance can vary widely.  Insurance providers typically look at a wide range of factors when deciding how much to charge you.  Some of these factors include:

  • Your location
  • Your coverage needs
  • Your claim history

If you end up in a high-pressure situation where you have to use force to protect yourself or someone else, you can’t guarantee that you won’t make an error.  Police liability insurance is designed to have your back in situations like these so you can focus on getting the job done.