As a police officer department in Los Angeles County, you and your employees face many risks on the job. You never know when your employees will be called to respond to a crime in progress or be confronted by a violent suspect. And while you are trained to handle these situations, the reality is anything can happen. This is why it’s so important to have insurance coverage to protect your employees and their families in the event of an injury or death.
Why It’s Important to Offer Life Insurance as a Police Department
As a police officer, you face unique risks other occupations don’t have to deal with daily. From responding to dangerous calls to dealing with unpredictable criminals, your job is full of potential hazards. That’s why having adequate insurance coverage is so important. There are a few reasons why you need insurance as a police officer:
- To protect your team and their families financially in case you are injured on the job or killed in the line of duty.
- To cover the costs of any damages your employees may unintentionally cause while on duty (e.g., property damage, personal injury).
- To ensure your employees have access to quality medical care in case they are injured while on duty.
- To provide financial assistance to your employees’ families if employees cannot work due to an injury or death.
- To give your employees peace of mind knowing you and your family are protected financially in case something happens to you while you’re on the job.
Do Insurance Companies Consider Police High-Risk?
Being a police officer is a risky job. The National Institute for Occupational Safety and Health has classified law enforcement as one of the most dangerous occupations in the United States. But despite the inherent risks, police officers are not considered high risk by most insurance companies. Some police employees may fear their life insurance policy might not protect them adequately because of the nature of their job. Still, most providers factor this risk in and can provide competitive rates.
Types of Coverage Available
There are several types of coverage available through our police department insurance packages. Some of the most important coverages include:
- Life Insurance: This coverage provides a death benefit to your survivors in the event of your death. The coverage is typically based on your salary and other factors such as age and health.
- Medical Expense Insurance: This coverage pays for medical expenses incurred due to an injury or illness. It can also provide some limited coverage for dental and vision expenses.
- Long-Term Care Insurance: This coverage pays for long-term care services such as nursing home or in-home care if your employees become disabled or elderly and cannot care for themselves.
At Employee Retention Benefits (ERB), we specialize in providing insurance packages for police departments in LA County. We have over 50 years of experience working with police departments, and our network consists of over 120 carriers. This means we can provide you with the best coverage at competitive rates. We understand the unique risks you face as a police officer and are committed to providing you with the protection you need.
