Safeguard you and your family’s financial security with PATROL, a professional liability protection product for off-duty police officers.

If you are subject to a groundless accusation or lawsuit claiming bodily injury, personal injury, or property damage while you were engaging in secondary employment or moonlighting services, PATROL has you covered. We are proud to provide protection for America’s Finest and their loved ones, ensuring that you won’t have to pay out of pocket for expenses associated with personal liability lawsuits such as:

Civil Judgments/Awards   Legal Fees  • Expert Witness Testimony •  & More

With PATROL, your focus can be on the job at hand, because we’ve got your back.


  The Percentage of Actions Brought Against Police Officers That Result In a Jury Trial


Average Cost to Defend a Personal
Liability Lawsuit

43 Million

Number of Hours Law Enforcement Officers Work on Behalf of Private Employers Every Year

Police Officer with Kid

Off-Duty Liability Protection

Two Liability Limit Options Available:

$100,000 - $250 annually (premium plus administrative fees)

$250,000 - $450 annually (premium plus administrative fees)

Additional Coverage Enhancements Available:

    • Moonlighting - Extends coverage to include services provided on behalf of private companies and employers.
    • Hot-Line - Proprietary access to attorneys or other legal professionals. Offers expert advice to policyholders participating in civil, administrative, or other disciplinary hearings.
    • Tailored Group Plans - Unique policy features offered to police departments, associations, organizations, etc.


Interested in Group Protection for your business?

Sample Claim Scenarios

Consult the claims scenarios below to gain a better understanding of exactly how PATROL protects your interests.


While working private security at a sporting event, someone was heckling the players and causing a disturbance. Although off-duty, but in full uniform, I arrested him for disorderly conduct. Upon appeal it was determined that I was improperly granted qualified immunity and that there were factual issues that questioned the grounds for arrest and whether or not I violated the patrons free speech rights. In addition, it was added that I may have used excessive force in ejecting the patron from the stadium.

Upon confronting the patron for using profane language, and his refusal to cease, I had asked him to either stop or leave the stadium. He did not comply or alter his behavior, so I placed him in the “escort position” and began leading him out of the stadium. Following several steps, he began resist and I was forced to wrestle him to the ground and forcibly remove him from the stadium. He was convicted of the resisting arrest and disorderly conduct, but the convictions were overturned on appeal and he sued me for excessive use of force and violation of his first amendment rights. This was eventually overturned and I won the case as it was deemed I was acting as a police officer and not just a security guard. Had I not had PATROL, I would have had to bear the cost of my defense.

I had to use my weapon to protect myself and others while working as a mall security guard.

I was working in a mall as a security guard when I responded to a call from two retail mall security guards seeking assistance with two shoplifters that had taken large amounts of merchandise. Upon arriving on the scene, the shoplifters were resisting the security guards and getting in a car to drive away with the stolen merchandise. I was off-duty, but wearing my municipal police uniform. As the shoplifters began to drive away, I identified myself as “police”, ordered them to stop and drew my weapon. When they did not stop, I fired a shot into the side window, unfortunately, this caused the shoplifter to collide with another car and hit a tree. As a result, the shoplifter sustained injuries and died. His widow filed a civil suit for wrongful death against me. The court ultimately found that I acted under color of law as I identified myself as police and was responding to an active crime at the request of the retail security guards. Had I not had PATROL, I would have been responsible for the cost of my defense.

I’ve been sued for civil rights violations as a result of arresting someone while off-duty.

I’ve “moonlighted” for a while as a private security guard while also employed as a full-time police officer in Springfield, IL. While working as a private security guard at a restaurant I had an altercation with a guest of the restaurant and placed her under arrest. Ultimately the charges against the guest were dropped by the restaurant, but the guest sued myself, my public and my private employer. Several of the allegations were federal claims against all three of us as supposed violations of her civil rights. While the court ultimately dismissed all of the state and federal claims, I would have been on the hook for the costs associated with my personal defense.