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Insurance for Off-Duty Jobs

Accidents happen. When they do, RollKall has your back.

We’re all about making off-duty easy, so we don’t want insurance to stand in the way of law enforcement agencies, officers and businesses connecting to create safer communities.

Coverage in Any Event

While police departments have extensive insurance coverage, that coverage does not always extend to off-duty work. Likewise, hiring businesses want assurance that any incidents related to security will not negatively impact their bottom line.

There are three main types of insurance that are useful for off-duty jobs and provided through the RollKall platform*, including:
General Liability  |  Occupational Accident  |  Workers’ Compensation
         

Workers’ Compensation

Agencies Have Access to Workers’ Comp for Off-Duty/Extra-Duty

Off-duty comprises a significant portion of an officer’s overall income. Agencies want to know their officers are covered in the event of an incident while working off duty. That’s why RollKall offers workers’ comp to agencies on the RollKall platform. We have the most comprehensive coverage available among off-duty management providers.

While general liability is others focused – about protecting third parties impacted by the incident, worker’s comp applies specifically to the worker and his or her well-being. Workers’ compensation is generous and long-lasting. It covers:

  • Lost wages 
  • All medical expenses if an officer is injured on the job
  • Legal costs

*Terms and conditions apply. 

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Occupational Accident Insurance

Officer Coverage in the Event of an Accident

Occupational accident insurance provides benefits to officers injured or killed in a job-related accident. It covers medical expenses and pays death and dismemberment benefits. 

Officers working off-duty in a 1099 capacity have the option to get occupational accident insurance when they work a job through RollKall. Should an accident occur, they can rest assured that medical bills will be covered.

 

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General Liability Insurance

For the Law Enforcement Agency, Officer and Businesses

  • Protects the business owner and assets in the event of legal action.
  • Covers medical costs in the case of injury.

Not All GL Policies Are Created Equally 

Other off-duty management platforms carry “security-based” policies. That means, coverage is limited to when an officer is acting in a security-only capacity, like as a visual deterrent. The expectation is that once an officer transitions to acting as a police officer, using his or her license to enforce the law, responsibility transitions to the law enforcement agency. RollKall has taken the extra step to protect LEAs and the businesses they serve by offering broad coverage.

RollKall Offers Generous General Liability Coverage

There are tiers of coverage from basic to special. RollKall offers a special policy with the most comprehensive possible coverage. It’s blanket coverage which means coverage automatically extends to third parties, like law enforcement agencies and the businesses working through the RollKall platform. Their GL policies will be indemnified from responsibility. 

 

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Want more Information?

Read the most commonly asked questions about insurance for off-duty jobs.

Get Started

Talk to a RollKall Representative to Learn More About How to Access Low Cost, Optimal Coverage Insurance When Working Off-Duty Jobs