Insurance for Police Officers

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Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Police Officer Liability Insurance

In response to the rise in scrutiny, allegations and investigations against law enforcement officials, Prime Insurance Company has launched the Income Interruption Policy to protect officers in the event their income is reduced due to a suspension, demotion or termination. With an increasingly hostile climate and pressure for disciplinary action by police departments, officers should be prepared in the event their pay is disrupted. The Income Interruption Policy will provide officers the difference in income between their base pay and reduced pay up to the policy limit. With this Prime Insurance Company coverage, law enforcement officials will be able to continue their way of life and care for their family without the fear and consequences of a smaller paycheck.

Police officers and other law enforcement officials experience various levels of risk as they seek to protect the public and enforce the law. If your client serves in this line of work, police officer liability insurance is necessary to defend them against rising scrutiny, allegations, and investigations that could potentially reduce their income.

Lifestyle (who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients of the following classes:

  • Police Officers
  • Police Detectives
  • Police Captains
  • Deputy Chiefs
  • Police Commissioners
  • Police Departments
  • Volunteer Policemen
  • K-9 Police Dogs
  • Law Enforcement Officials
  • And More

Coverage Options

  • Asset Protection
  • Professional Liability
  • Legal Liability Protection On-Duty and Off-Duty
  • Wrongful Acts
  • Alleged Sexual Abuse or Molestation Liability
  • Alleged Assault & Battery Liability
  • Concealed Firearms Liability
  • Failed CPR
  • Income Protection When Suspended Without Pay
  • True Umbrella


Disclaimer: This policy may not be offered in every state depending on applicable state and local laws. In addition, legal defense is provided up until a court of competent jurisdiction enters a finding of guilt, at which time no further coverage is available under the policy. Please contact us for more information.

More Information About Insurance for Police Officers

Common Questions About Police Officer Insurance

Review these frequently asked questions to learn more about police officer liability insurance:

  1. Who needs police officer liability insurance? If your client is a law enforcement officer who would like an extra layer of protection and increased peace of mind, this policy can help.
  2. What do these policies usually cover? Police officer liability insurance protects officers accused of “wrongful acts” by helping to cover damages resulting from bodily injury, property damage, and other accidents.
  3. Does Prime’s policy cover off-duty assignments? Yes, we can offer legal liability protection for both on- and off-duty incidents.

Prime Insurance Company's Benefits

Here at Prime, we treat every insurance producer as a partner by taking a hands-on approach to their specific needs. We deliver unique solutions through:

  • In-house underwriting: Our highly skilled underwriters have the experience and understanding you and your client need to see results.
  • An expert risk mitigation team: Thorough and committed, our risk mitigation personnel work alongside the insured for on-site inspections and evaluations.
  • Personal connections: We strive to build a relationship with both producers and insureds to help develop comprehensive solutions.
  • Reliable service: Prime has an “A” (Excellent) rating from AM Best*, so you can depend on our stability.

Request a Quote for Police Officer Liability Insurance Today

Your clients can experience greater peace of mind when they get police officer liability insurance to shield them from risks and liabilities while on the job. To learn more about our services and policies, request a quote online today.

*For the latest ratings, access www.ambest.com

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.