Police Officers

INDIVIDUAL LIABILITY PROTECTION FOR POLICE OFFICERS AND LAW ENFORCEMENT PROFESSIONALS

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.

Coverages Available:

  • 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
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.

Are you prepared for a reduced income in the event of a suspension, demotion or termination? Many traditional policies restrict certain aspects of liability coverage that professionals should have in place. Standard policies have exclusions and limitations and you might not have the coverage. Questions to consider:

Know the Facts

info-graphic1

From January 2010 through December 2010 the National Police Misconduct Statistics and Reporting Project recorded 4,861 unique reports of police misconduct that involved 6,613 sworn law enforcement officers.

info-graphic2

Number of sworn law enforcement officers involved (354 were agency leaders such as chiefs or sheriffs).

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.

Ready to Apply?

You may submit an application online using the GET A QUOTE button below, 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.

Applications

There are no minimum premium requirements.

Prime Insurance Company will not bind a risk until all required information, documentation, and applicable premium is expressly received and accepted by Prime.

If there are any questions or urgent requests, please contact us today at 1-800-257-5590 or quotes@primeis.com