Police Professional Liability
Police Professional Liability (PPL) Insurance provides a level of protection for law enforcement agencies and their personnel against claims arising from wrongful acts committed in the course of their professional duties.
Born out of the general liability form, this specialized coverage uniquely aims to safeguard Police departments, Sheriff’s offices, and other law enforcement organizations from allegations such as false arrest, excessive force, civil rights violations, or negligence. It helps cover legal defense costs, settlements, and judgments, allowing law enforcement professionals to focus on protecting their communities with confidence.
Police Professional Liability Insurance typically responds to claims involving -
Bodily Injury and Property Damage: resulting from an actual or alleged act, error or omission, neglect or breach of duty committed during the course and scope of Law enforcement activities
Personal Injury:
- Assault and battery
- Discrimination, where insurable by law
- False arrest or detention
- Malicious prosecution
- Erroneous, false, or improper service of process
- Humiliation or mental distress
- Civil rights violations protected under 42 USC 1981 et seq or similar state civil rights law
- Violation of property or privacy rights
- Wrongful entry, eviction or other invasion or denial of the right to public or private occupancy
Law enforcement professionals face unique exposures every day, from high-pressure decision-making to perilous situations that can quickly lead to legal challenges.
Even when claims are unfounded, the legal defense costs alone can be devastating. Under a PPL policy, Insured’s benefit from experienced claims handlers that work with local & regional panel counsel who have the expertise needed to respond to suits appropriately and efficiently.
Police Professional Liability Insurance helps ensure these entities and their individuals have the financial and legal protection necessary to continue serving their communities without the impending risk of financial ruin.
- A+ A.M. Best Rated Paper (Admitted – Greenwich Insurance Company / Non-Admitted – Indian Harbor Insurance Company)
- Admitted in AL, GA, IL, KY, ME, MI, NJ, NY, NC, OH, PA & TN / Non-admitted in all other states
- Up to $5 million capacity on either primary or excess positions
- Minimum Premium: $1,500
- Minimum Retention: $5,000
Including but not limited to
- Municipal, County, Township, Borough, Village and Parish Police Departments and Sheriff’s Offices
- School Resource Officers (SRO)
- University and College Campus Police
- Port, Airport and Transit Authority Law Enforcement agencies
- SPCA Police (HLEO- Humane Law Enforcement Officers)
Including but not limited to
- Both Occurrence and Claims made forms available
- Defense in Addition to the Limit (unless otherwise endorsed)
- Broad Coverage for Law Enforcement Wrongful Acts including: Premises Liability, Coverage for off-duty “moonlighting” activities (if departmentally approved), and Coverage for Law Enforcement assistance rendered pursuant to mutual-assistance agreements
- Civil Rights friendly auto exclusion
- Modified Consent to Settle (soft hammer) Clause with only 40% coinsurance requirement for Insured
- Intentional/Criminal Acts Exclusion to include defense reimbursement until final favorable adjudication
- Broad definition of Wrongful Act/Occurrence including Personal Injury involving: Assault and Battery, Discrimination, False Arrest, Malicious Prosecution, Humiliation or Mental Distress, Violation of Civil Rights protected under 42 USC 1981 et seq, Violation of property rights, and Wrongful entry or eviction
- 75-day mini tail included at no additional cost (only on claims made form)
- Line of Duty Death Coverage
- Up to $5 million capacity available
- Ability to attach at any layer
- Same eligible classes as Primary
- True follow form policies
- Competitive Rates!