Insurance Program
At EDS, we prioritize the safety and security of law enforcement officers working extra-duty assignments, recognizing the necessity of safeguarding both the officers and the entities they serve.
EDS provides law enforcement agency clients with:
AM Best Rated “A” Liability Coverage
Top-Tier Liability Limits
Comprehensive State Statutory Workers' Compensation
Inclusive Coverage for Agencies, Officers, and Extra-Duty Clients
General Liability Insurance
Extra Duty Solutions provides industry-leading general liability insurance to protect your agency and the officers working off-duty jobs. Our insurance solutions focus on off-duty work and covers:
- damage to premises
- assault and battery
- automobiles
- network security data and privacy breaches
- theft
- crime/cybercrime
- additional riders and limits available upon request.
Since EDS’ insurance is primary to your agency’s, it further protects your agency with a waiver of subrogation.
To ensure that your agency is provided with the appropriate riders and limits, our insurance is reviewed annually by a nationally recognized high-risk group that reviews insurance for such entities as the Boston Red Sox, Boston Bruins, and New England Patriots.
| Total Limit | Per Incident Limit | |
|---|---|---|
| Professional Liability/Technology E&O | $3M | $3M |
| General Liability | $2M | $1M |
| Excess Liability | $10M | $10M |
| Auto | $1M | $1M |
| Personal Injury | $1M | $2M |
| Management Liability | $1M | $1M |
| Property | $152K | |
| Network & Security Liability | ||
| Third-Party Liability Coverage | $3M | $3M |
| Regulatory Defense & Penalties | $3M | $3M |
| Business Interruption Coverage | $3M | $3M |
| Cyber Extortion | $3M | $3M |
| Breach Response | $3M | $3M |
| Data Breach & Privacy Security Liability | $3M | $3M |
| Crime | ||
| Employee Theft | $1M | $1M |
| Third Parties Property | $1M | $1M |
| ERISA | $1M | $1M |
| Forgery | $1M | $1M |
| Inside & Outside Losses | $1M | $1M |
| Tech Fraud | $1M | $1M |
| Workers Compensation, All States | ||
| Workers Compensation | Statutory | |
| Employers Liability- By Accident | $1M | $1M |
| Employers Liability - By Disease | $1M | Policy limit |
| Employers Liability - By Disease | $1M | Each employee |
Workers’ Compensation Coverage
Recognizing the substantial contribution of off-duty work to an officer’s income, we are also committed to offering robust workers’ compensation coverage. Our program ensures that officers are safeguarded against incidents during their extra-duty assignments. While our general liability insurance focuses on shielding the agency from paying damages, injuries, and medical costs, our workers’ compensation coverage supports officers directly, covering essential needs such as…
- Lost wages
- Medical expenses related to injuries sustained
- Legal fees
Additionally, EDS provides occupational accident insurance, offering further protection for officers injured or killed in job-related incidents. This coverage includes medical expenses and pays out death and dismemberment benefits. Officers working off-duty under a 1099 status can opt for occupational accident insurance on a case-by-case basis for each assignment invoiced and processed through EDS, ensuring peace of mind in the event of an accident.