708aa24b_cenarios___Travelers_Insurance__ublic_Sector_Coverage_Response
[Coverage Type] Law Enforcement Liability Insurance [Real-World Claim Scenario] Police received a report of an individual discharging a firearm in a trailer park. Two officers responded to the call and, upon arrival, were immediately confronted by the suspect. The officers attempted to coax the suspect into dropping his weapon. He failed to heed orders and instead fired two shots, striking one of the officers. Fearing for their lives, the officers returned fire, striking and killing the suspect. Suit was later filed against the city and the individual police officers involved, alleging excessive force.
The Travelers law enforcement liability protection form provides coverage for allegations of civil rights violations such as excessive force protected under any federal, state or local law. The form also considers damages to include the attorney's fees of the person or organization bringing the claim if such fees are awarded, or paid in a settlement, for covered injury or damage. Punitive damages are also covered where insurable by law.
Public Sector Real World Claim Scenarios | Travelers Insurance