• Occurrence or Claims Made options available
  
• Defense expenses outside the limits
  
• Broad definition of Law Enforcement Occurrence includes coverage for:
  
  • Bodily Injury, Property Damage and Personal Injury (including violation of civil rights and property rights) arising from Law Enforcement Activities
    
  • Bodily Injury arising out of insured’s premises
    
  • Automatic coverage for “moonlighting” / off-duty activities, if departmentally approved
  • Automatic coverage for assistance rendered under mutual aid agreements, with coverage for other forms of assistance available on a scheduled contracts basis
• Supplementary Payments coverage, in addition to the limit, for:
  
• Loss of earnings resulting from investigation or defense of claim
• First aid or emergency medical care
  
• Broad definition of Insured
  
• Broad definition of Claim, including certain administrative or regulatory proceedings
  
• Covered Loss includes pre-judgment and post-judgment interest
  
• Coverage for punitive damages available by endorsement
  
• For Claims Made Policies:
  
• Coverage provided for incidents that are reported during policy that eventually result in claim after policy expiration, without the need to purchase tail (incident sensitive form)
• Reporting of actual claims allowed for 75-days after policy expiration, without the need to purchase tail
• Bilateral ERP with options for 1, 2 and 3 years
• Severability of Insureds with respect to statements in the application
  
• Worldwide territory, provides coverage for claims brought outside the US
• Non-cancellable by Insurer, except for failure to pay premium

Geographic Restrictions

• None; written on a surplus lines basis