Insurers Exploring ‘New World’ of Police Officer Professional Liability

By and | July 24, 2020

  • July 24, 2020 at 10:53 am
    Jon says:
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    This is a useful change. We see it in every other industry, if you’re not following best practices you pay for it in higher insurance. If these agencies can’t remove their corrupt officers for moral reasons, maybe they’ll remove their corrupt officers for financial reasons.

  • July 24, 2020 at 12:12 pm
    Dean Basse says:
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    If done, this will go the same way as all other professional liability–attorneys will go fishing for the deep pockets. Also, rates are often increased simply because their is a claim, not because the claim was valid. Lastly, unless the policy is structured for insured consent in settlements, companies will inevitably settle based on cost-benefit analyses without consideration for the life, career, and future of the officer. And in the United States, you can sue for literally ANYTHING. These aren’t doctors, or lawyers, or even successful insurance agents. These are law enforcement officers often placed in no-win situations on a fixed income that will be facing an ocean of legal sharks and bad faith criminals looking for a payout.

    Using off-duty experience will provide little in the way of guidance if looked at objectively. Those stats are meaningless as an application to normal police work. Criminals and gang-bangers don’t hire police for security at their “events”, yet those are the people police deal with on the streets.

    The solution is to have the politicians and government bureaucrats be held responsible for their lack of oversight of their police forces, and that clear guidelines be established and enforced that are exempt from union oversight and interference. Finally, officers that fail to report or participate in the discipline of their fellow bad officers should also face sanctions. An independent review board composed of outside law enforcement officers, politicians, and citizens whose membership is term-limited should be part of the equation.

    Any insurance solution is going to devolve into a chaotic and unprofitable mess due to unforeseen and unknowable conditions and circumstances that are a normal part of potentially violent encounters.

    • July 24, 2020 at 2:21 pm
      Jon says:
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      I actually agree with you, your suggestions in the third paragraph are exactly what we truly need.

  • July 24, 2020 at 1:43 pm
    Captain Planet says:
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    Policeman. Sirens. Gun. Camera. TV.

  • July 24, 2020 at 6:27 pm
    Mark says:
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    But this will be somewhat easy to price because municipalities can cap their liability and thus there will be a finite top end of what can be awarded. But it is correct to say it will encourage an enormous flood of frivolous litigation where the personal injury lawyer could care less about taking a case to trial but just wants to flood the department with a flurry of lawsuits simply hoping for quick, lower dollar settlements and can use the cudgel of costly long drawn out litigation over meager insurance payments to extract settlements on completely non meritorious claims.

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