The community entrusts police officers to make good decisions. But, unfortunately, they are human and can make mistakes like anyone else. Police liability coverage in New Jersey can protect the department and ensure they can pay for associated costs should a lawsuit arise. This coverage applies to certain misconduct situations on the job, such as excessive force, failed medical treatment, and unlawful actions. Here are some explanations to better understand these situations.
Failed Medical Treatment
If an individual is injured in an accident or at a crime scene, police officers call for medical assistance. However, they may have to administer aid until help arrives. When CPR or other treatment options go awry, individuals can sue the police officer and the department. Your department can mitigate these risks with police liability coverage in New Jersey.
Unnecessary or Excessive Force
News media has covered many situations in recent years that involved some form of police action and negative outcomes. In these cases, police officers may have used excessive force to subdue suspects, causing significant injuries or even death. These situations require police liability coverage in New Jersey to pay legal fees and ensure the police department’s reputation remains intact.
Unlawful Actions
Police officers must follow laws and regulations when dealing with various situations. Still, an individual can sue for improper use of equipment, unlawful search and seizure, or false arrest. In that case, a police department can suffer financially without police liability coverage in New Jersey. Therefore, purchasing an insurance policy ensures protection for the entire department.
Visit the Hilb Group to learn more about the available police liability coverage in New Jersey.
