Brownyard Programs offers a Professional Liability Policy for Law Enforcement
Agencies (Police Departments, Sheriff’s Departments, etc.)

Coverage

• Professional Liability: Bodily Injury, Property Damage or Personal Injury arising out of the Insured's Wrongful Act

- Bodily Injury includes:

Mental Anguish
Emotional Distress

- Personal Injury Includes:

False Arrest
False or Improper Service of Process
Wrongful Detention
Violation of Property Rights
Wrongful Imprisonment
Violation of Civil Rights
Malicious Prosecution
Assault & Battery
Discrimination
Humiliation
Violation of the Right of Private Occupancy including:

Wrongful Eviction
Wrongful Entry

• Policy Form - Can be EITHER:

- Claims-Made
- Occurrence Form

• Who is An Insured - Includes:

- The Political Entity or Subdivision and its Public Officials
- Law Enforcement Officers
- All Other Employees
- Auxiliary Personnel / Reserves / Authorized Volunteers

• Accidental Death Benefit: $50,000 per employee in the event the employee dies in the line of duty
• Blanket Additional Insured: Blanket coverage, for all clients whose require additional insured status

Limits
$1,000,000 - Per Claim or Per Occurrence
$1,000,000 - Aggregate
Higher limits are available

Deductible
The standard deductible is $25,000

Insurance Company
Lexington Insurance Company, which is rated A ("Excellent") Class XV ("$2 Billion or greater") by A.M. Best Company, Inc.