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Many law enforcement officers understand the legal ramifications that follow a defensive gun use. Your actions will be examined internally and externally to make sure they were lawful. In today’s society, rightfully or wrongfully, it is becoming more prevalent that your actions will also be tried in the court of public opinion. A Blue Cover Law Enforcement Family Firearm Policy from Shield U can provide you with the valuable coverage you need to protect your assets and your freedom.
You protect others, make sure you protect yourself while in the line-of-duty.
The liability insurance for those who want to be fully protected while on duty.
A little piece-of-mind that goes a long way if you ever need it.
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10 User
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50 User
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You work hard to build a financial future for your family. Blue Cover insurance offers law enforcement officers a firearms liability policy which is designed to provide you with the legal and financial resources you need when it counts the most. Purchasing an affordable Law Enforcement Family Firearm policy is the right decision to make for you and your family. Our policies offers the following benefits to law enforcements officers and their family members:
● Our policy provides civil liability coverage for acts of self-defense arising out of the use of a legally possessed firearm. If you have other available civil liability coverage, our policy is excess to that coverage. If you have no other available coverage, our policy will afford civil liability protection on a primary basis.
● Civil liability coverage for moonlighting and private security involving an act of self-defense as defined in the policy.
● Our civil liability coverage provides attorney defense costs that are paid in addition to your limits of liability which means that paid attorney fees will not reduce your valuable limits of liability.
● At no additional cost to you, our policy affords civil liability coverage for your spouse, and any resident relative of your household under the age of 25.
● Coverage for civil liability claims made against you, or your family members for monetary damages. Coverage includes coverage for civil damage awards and attorney defense costs.
● The policy will reimburse your criminal defense attorney costs up to your limit of coverage if you are criminally charged and subsequently acquitted of criminal charges related to your defensive firearm use.
● Freedom to choose your criminal defense attorney.
● At no additional cost to you, coverage extends to your spouse and resident relatives of your household under the age of 25.
● Our policy provides $10,000 criminal defense attorney retainer advance.
● Administrative Claim Benefit
If you are subject to an administrative investigation into your conduct related to a defensive gun use with respect to a lawful act of self-defense the policy provides $82.19 per day, or $2,500 monthly for your loss of income during the pendency of the administrative investigation.
● Family Grief Counseling Services
Your policy will provide reimbursement forexpenses incurred for grief counseling arising from an act of self-defenseinvolving a defensive firearm use.
You protect others, make sure you protect yourself while in the line-of-duty.
The liability insurance for those who want to be fully protected while on duty.
A little piece-of-mind that goes a long way if you ever need it.
1 User
5GB Bandwidth
Whitelabelling
Limited Support
10 User
Unlimited Bandwidth
Whitelabelling
Priority Support
File Uploader
50 User
Unlimited Bandwidth
Whitelabelling
Priority Support
File Uploader
Yes, the policy is available to both active duty and retired law enforcement officers.
Coverage is offered to law enforcement officers who reside in the following six states: Illinois, Indiana, Iowa, Arizona, Ohio, and Wisconsin.
Yes, coverage under the policy extends to cover insureds in all 50 states as long as the firearm is legally possessed.
The answer is “maybe”, and it depends on the situation and the terms and conditions of your homeowners policy. Homeowners insurance policies only provide civil liability protection for accidental injuries caused by an “occurrence” as defined in your policy. Most policies define “occurrences” as accidents which result in bodily injury or property damage. Acts of self-defense may not qualify as an“occurrence” as defined under your homeowners’ policy because they are considered intentional acts, and not accidents. Established case law supports insurer positions in regard to this policy defense. Some insurers provide exceptions for the use of “reasonable” force to protect persons or property. However, what constitutes “reasonable force”is left up to interpretation by the adjuster for the insurance company. Homeowners policies will not cover liability arising out of law enforcement acts, or your business pursuits.
No, your homeowners policy will never pay for any criminal defense costs or expenses.
The Law Enforcement Family Firearm policy was developed at the request of law enforcement association leadership. Those leaders expressed to SPRISKA that they had been receiving feedback from their members expressing their concerns over the lack of consistent clarity regarding the availability of coverage to respond to situations that might be considered outside the scope of their employment, or other factors beyond their control that might influence a decision to afford, or not afford coverage to them.
Blue Cover is dedicated to providing affordable insurance coverage to law enforcement officers and their family members. Our Law Enforcement Family Firearm Liability coverage provided by Special InsuranceServices, Inc., dba Shield U.
Special Insurance Services, Inc., dba Shield U Firearm Liability Insurance is a licensed insurance agency in the states in which we operate, and provides sales, marketing, operational, and administrative support to Specialty Risk of America “SPRISKA”. Special Insurance Services, Inc., is an affiliate of Specialty Risk of America and operates under an underwriting management agreement with them. All coverages afforded are provided by Specialty Risk of America which is an Illinois domiciled stock property and casualty insurance company located in Springfield, Il.
If you have a question regarding the coverage afforded under the policy or need to file a claim you may contact one of our professional customer service representatives at our toll free number:
(833) 815-0852
