LAW ENFORCEMENT LIABILITY ELIGIBILITY

(July 2019)

Law Enforcement Liability Insurance is a specialized coverage that only a limited number of insurance companies with resources and experience in this field offer. Most insurance companies provide coverage for only a specified sub-group within the broad category of law enforcement and security services risks.

Example: Jim is researching a request to secure Law Enforcement Liability Insurance for a client. He finds the following sources: Company A covers only municipal law enforcement agencies, such as police or county sheriff departments Company B covers only specialized law enforcement agencies, such as transit police, airline security, public or private schools, or housing authorities Company C covers only independent 911 dispatch services Company D covers only private security guard and patrol services Company E covers only educational facility campus security

Each insurance company offering coverage to the law enforcement market has individual programs designed to meet the exposures its targeted law enforcement agencies face, such as:

• Extension of coverage for authorized moonlighting activities that permits an agency's employees to moonlight in agency uniform at authorized venues, such as parades or sporting competitions
• Medical malpractice liability for agencies that offer emergency medical treatment

Each insurance company's products, coverages, target markets, specialties, and underwriting eligibility must be evaluated to be certain they meet a given insured's coverage needs. This must be done carefully since there is no standard coverage form or policy to compare with.

Note: Some insurance companies have overall coverage eligibility requirements as well as individual coverage, payment basis, and coverage options.