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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.
RollKall’s General Liability insurance policy covers incidents that are:
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.
RollKall’s general liability policy allots $1M per occurrence and an additional $10M umbrella coverage to protect the business, officer, and department. (Terms apply.)
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.
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 providing security, patrol, or traffic control services - but are only covered under administrative classifications - a serious incident could result in denied claims, leaving your department, officers, and city facing catastrophic financial exposure and potential lawsuits.
RollKall takes a different approach by specifically ensuring officers under the correct classifications: security guard, patrol services, and traffic control coverage. Yes, we pay higher premiums for this 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.
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 would be covered by general liability.
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.
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.
Yes, as long as the police car is hired through RollKall. The police car is covered for any damage it might cause to someone else’s property or if it causes bodily injury to someone. Damage to the police car is also covered as long as the police car has been hired through RollKall. Deductibles may apply.
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.
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. Some law enforcement agencies require officers to elect occupational accident insurance if they know department coverage will not extend to off-duty work.
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.
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.
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:
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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