Features of the Professional Liability Insurance Coverage for the Police

The specific professional liability coverage for the police offers both the officers as well as the police departments, protection from acts, omissions as well as errors while conducting professional assignments and duties that are entrusted to them. Unlike many of the other insurance policies, the liability coverage for the police, sometimes come with certain additional "occurrence triggers" too.



The sworn officers of all the police departments across the country are given certain sanctions that can be used for performing their duties. However, more often than not these powers also involve certain risks. So, in order to provide special insurance coverage, the division of the risk management of each of the police department usually provides liability insurance policy for all of their sworn officers. These are especially kept in place to safeguard against any malpractice claims.

The potential risks and threats that this type of special insurance policy covers include:



• Assault and Battery
• Unlawful detention , false imprisonment charges as well as charges of false arrests
• Libel, defamation and slander
• Malicious prosecution charges
• The refusal to assist a citizen in times of an emergency, failure to administer first-aid as well as failure to provide the right first aid when needed
• Failure to adhere to the correct legal process
• Interference with the individual's rights to property, causing damage to an individual's property or the loss of an individual's property
• Interfering unnecessarily with the civil rights
• Violating the individual's right to privacy or invading the individual's privacy without the proper permissions in hand.

These are the important features of the liability insurance coverage for the police. However, there are many limitations, codes as well as other conditions that are part of this type of policies for the police professional that may not be listed in the salient features above. In addition, the particular state may also have additional liability coverage for torts that take care of claims made against the officers on duty.

So it is very essential for the police employees to ensure that they have the liability insurance coverage. It is also important for them to know what is exactly covered by these policies as well as the terms and conditions of the agreement.