Compliance and Protection That’s Built In.
Officers face risk every day. We know, because we help handle the claims when things go wrong. That is why RollKall includes insurance coverage made for off-duty law enforcement. It is comprehensive, it is real, and it comes at zero cost to your department.
Insurance Options We Provide
Are you looking for insurance that actually covers your officers, department, and vendors while working off-duty jobs? If so, we have the solution. Our insurance options are designed to reduce risk, protect your team, and give you peace of mind knowing every detail is covered.
Cyber Liability
Protection against digital risks tied to RollKall platform use. Helps cover exposure from data issues, access errors, or platform-based incidents.
Umbrella/Excess
The most comprehensive coverage in the industry. We’ve yet to fail to meet a statutory requirement from any City, County, or State. We have you covered.
Auto Insurance
Looking for extended non-owner coverage? We have you covered when using department issued vehicles for off-duty jobs, including special events.
A Word of Caution
Not all insurance policies are the same. You can look at a COI, and see coverages, but how do you know the policy is actually underwriting officers for the work they are performing?
Here’s your checklist before you procure insurance coverage from any provider in the space:
- Have your legal / risk teams review the binders of your provider’s insurance policies.
- Ensure that these policies are underwritten for the appropriate commodity codes.
Workers’ Protection
Do you want “Workers’ Compensation” for your officers? Of course, we want that too. Unfortunately, the precedents that allowed Workers’ Compensation coverage has changed in this industry. We’ve scoured the ends of this earth to find WC that works. Here are two conditions that need to be met:
- Officers are your off-duty provider’s employees while working off-duty jobs.
- Officers are under the direct control and supervision of your off-duty provider.
OK - this should never be the case. If either of these conditions are met by your off-duty provider, they are a security agency. So what now? We developed a worker’s compensation - like policy, called Workers’ Protection. It’s proprietary. Developed with ingenuity, in efforts to ensure ALL officers are covered regardless of their employment (1099 vs W2) status.
Occupational Accident Insurance for 1099 Officers
Independent contractors deserve real protection too. This policy is designed for 1099 officers and includes:
- Medical coverage up to $100,000 per accident
- Protection for job-related injuries on off-duty assignments
- Same benefits as Workers’ Protection, minus wage replacement
General Liability
General Liability insurance through RollKall is designed to protect both officers and the businesses they serve. It provides broad coverage in the event of incidents or injuries during off-duty jobs, giving peace of mind to everyone involved.
- $1M per incident coverage with the option to extend up to $10M through an umbrella policy
- Blanket coverage that automatically includes third parties such as agencies and businesses invoiced through RollKall
- Medical expense protection for injuries sustained in the line of duty
- Generous, optional policy available directly through RollKall for added protection
General Liability FAQs
How should public safety personnel be classified within a general liability policy?
RollKall’s general liability policy covers the work officers actually perform while on an off-duty assignment, which typically consists of general security details, traffic control, patrol, or other similar activities officers are trained to do. It is important that regardless of whether an officer is covered under RollKall’s policy or a different policy, the officers are classified commensurate with the activities that are performed to guarantee liability coverage in the event of a claim.
How much does RollKall’s general liability policy cover?
RollKall offers general liability coverage designed to protect the business, officer, and department. Terms apply - call us at (877) 762-8467 to discuss your specific needs.
What type of general liability policy does RollKall have?
There are three main forms of general liability insurance – basic, broad and special. As the name implies, basic only covers the bare minimum. Broad covers more but still has restrictions. Special covers all scenarios unless specifically noted otherwise. That is what RollKall offers.
RollKall’s “special form” general liability includes what’s called “blanket additional insured” coverage. This means coverage extends to third parties, such as government agencies, first responder organizations, and businesses using the RollKall platform, without the need to name them individually or issue separate policies for each entity.
There is also a blanket waiver of subrogation in place. This means RollKall’s general liability policy will respond first - rather than the business’s policy - if an off-duty police officer causes injury or property damage while being paid through the RollKall platform. Additionally, through the Additional Insured Endorsement, RollKall’s policy becomes primary for the business or city if that officer is sued for actions taken while under contract with RollKall and paid through the platform.
What does RollKall’s general liability insurance policy cover?
RollKall’s General Liability insurance policy covers incidents that are:
- Related to, or taking place during, the off-duty assignment.
- Due to the actions of the off-duty officer.
- Not an intentional act of violence or destruction.
What is general liability coverage?
Just as the name indicates, this coverage is general and covers a host of things and all entities involved. General liability insurance protects the business owner and assets in the event of legal action against the business or its employees, including public safety personnel (referred to generically as “personnel” or “officer”), if the claim comes as a result of the officer’s duties or actions. It will also pay for medical costs if a third party is injured on-premises.
Does insurance misclassification put your officers and agency at risk?
While other companies cut corners by misclassifying off-duty police officers as providing “administrative services” to secure lower insurance premiums, this dangerous practice exposes officers, agencies, and municipalities to significant liability gaps. When officers are actually performing security, patrol, or traffic control duties but are only insured under administrative classifications, a serious incident could result in denied claims. That leaves your department, officers, and city facing catastrophic financial exposure and potential lawsuits.
RollKall takes a different approach. We ensure officers are covered under the appropriate classifications for the services they provide, such as security guard, patrol services, and traffic control. Yes, this means paying higher premiums for comprehensive protection. But when an incident occurs, your officers and agency are truly covered, not left scrambling to explain why an “administrative” worker was involved in a security situation.
If you choose another off-duty provider’s insurance, make sure the coverage actually matches the services your officers are performing.
What does accidental or negligent damage to property caused by the officer while on an off-duty assignment entail?
Say, for example, an officer must detain someone while on an off-duty assignment. During the act of trying to detain that individual, a window is broken. The cost to replace the window could be covered by general liability, depending on whether the action was classified as off-duty or on-duty and where an officer’s on-duty policy would apply.
Does general liability provide legal representation in the event of litigation resulting from an assignment?
The General Liability Policy may defend an officer for alleged negligent acts only if the job is both worked and paid through the RollKall platform and meets all coverage requirements. It may also defend the business the officer is assigned to, but only if that business is brought into a suit as a result of the officer’s actions on a covered assignment. Not all jobs worked through the platform are eligible for coverage.
Does general liability insurance cover accidental or negligent injury to others while on an off-duty assignment?
Yes. As long as the officer is working in an off-duty capacity. For example, say an officer is working off duty at an entertainment venue and needs to remove a drunk and disorderly patron. In the process, the officer injures the patron. The officer and business they were working for would be represented by the insurance company in legal proceedings. If the case is lost by the insurance company, the general liability would pay the claim to the plaintiff.
Occupational Accident Insurance FAQs
What is occupational accident insurance for officers?
Many departments do not cover the costs related to injuries sustained off-duty. Occupational accident insurance provides benefits to officers, when performing work in a 1099 capacity, who are injured or killed in a job-related accident. It covers medical expenses and pays death and dismemberment benefits.
How does occupational accident insurance work?
Officers are given the option to select occupational accident insurance every time they clock into an off-duty assignment through RollKall, allowing them the flexibility to make the decision on a job-by-job basis. If the officer opts in for occupational accident insurance, they pay $.99 per hour to have any accidental injuries covered by RollKall’s occupational accident insurance.
Workers' Protection FAQs
What is workers’ protection insurance?
When your W-2 officers take on supplemental work as 1099 contractors for private businesses, such as providing traffic control at events, security for retail establishments, or crowd management at venues, they fall into a critical coverage gap. Traditional workers’ compensation insurance cannot cover them because they're classified as independent contractors rather than employees of the business they're serving, yet the hiring business typically doesn't exert the level of operational control required for workers’ compensation coverage or doesn't want to extend workers’ compensation to them for fear of reclassifying those officers as employees.
To address this, RollKall worked with insurance partners to design Workers’ Protection insurance - coverage built specifically for officers working in their contractor capacity. It ensures officers are protected if injured while working off-duty details, without requiring reclassification or shifting liability to the agency or hiring business.
By recognizing and enabling this coverage, agencies can close a critical protection gap, support officer well-being beyond regular duty, and reduce potential legal and operational complications tied to uninsured contractor work.
How is RollKall’s Workers’ Protection different from the workers’ compensation officers receive while on duty?
Traditional workers' compensation insurance faces a fundamental problem: carriers may refuse to cover contractors because they are not employees, and neither RollKall nor the hiring business exerts the operational control over officers' actions that workers' compensation policies require. Even if coverage were available, providing workers' compensation to contracted officers risks Department of Labor reclassification of those contractors as employees, potentially exposing both the hiring business and your agency to tax penalties, benefit obligations, and regulatory violations.
RollKall's Workers' Protection insurance eliminates both risks by combining occupational accident insurance (covering medical expenses up to $100,000) with wage replacement benefits (up to $1,000 per week for a maximum of 26 weeks) without requiring employee status or operational control that could trigger coverage denials or DOL reclassification concerns.
Unlike traditional workers' compensation policies that provide unlimited medical coverage and extended wage replacement but carry reclassification risks, Workers' Protection insurance delivers substantial injury benefits while preserving the independent contractor relationship that both businesses and your agency depend on. This specialized coverage protects your officers during their supplemental work while safeguarding all parties from the regulatory and financial exposure that comes with improper worker classification.
Why is workers’ protection needed if the officer has general liability or occupational accident insurance?
General Liability insurance and Workers' Protection insurance serve completely different purposes:
General Liability protects contractors against claims from third parties - like if an officer accidentally damages property while directing traffic or if a pedestrian is injured due to the officer's negligence. It covers the contractor's legal liability to others.
Workers' Protection protects the contractor themselves when they get injured while working - covering their medical bills and lost wages. General Liability doesn't pay anything if the officer gets hurt on the job.
For example, if a police officer working traffic control at an event:
- Gets hit by a car and breaks their leg - Workers' Protection pays their medical bills and wage replacement
- Accidentally directs a car into a barrier, damaging the vehicle - General Liability covers the property damage claim
This is why the coverage gap exists for 1099 contractors. They may have General Liability to protect against claims they cause, but they have no coverage for their own injuries since they can't access traditional workers' compensation (due to not being employees and the control issues we discussed). Workers' Protection fills this personal injury coverage gap that General Liability doesn't address.
Many contractors mistakenly think General Liability protects them when they're injured, but it only protects them from injury claims made by others.
*The FAQs provide general information about coverage for various insurance policies and are not meant to be detailed or specific about the policies. To learn more about coverage, please call 855-765-5525 to talk with a RollKall Representative.
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