Why First Responder Legal Insurance?

Why Legal Protection?
While your state, municipality, or other government entity may possess legal liability insurance, it is designed to protect them and not you. First Responder Legal Insurance (FRLI) provides an expert defense if you are ever singled out for an administrative action, civil or criminal investigation, loss of rank, loss of time or benefits.

Why First Responder Legal Insurance?
The most popular option currently available to police officers is a legal reimbursement plan (officer pays first) with a maximum limit of $12,500. The FRLI is full insurance (not merely reimbursement after you pay legal costs) and our limits are twenty times higher. Twenty times the coverage at similar cost to today's most popular plan for Police Officers.

Another less popular plan covers reimbursement for amounts up to $20,000 for administrative and $40,000 for civil/criminal (again reimbursing after your expense).

Again, the First Responder Legal Insurance Legal plan is full insurance with limits 10 times higher at a similar cost!

- In many jurisdictions there are no plans available to firefighters and EMT’s.
- First Responder Legal Insurance offers ten different coverages all menu driven and individually priced.
- First Responder Legal Insurance offers REAL INSURANCE. It is not reimbursement and there are no out of pocket costs!
- First Responder Legal Insurance can partner with your Union, Association, Employer Group and/or Benevolent organizations!
- First Responder Legal Insurance limits start at $100,000 (8x competitors) at a similar price.
- First Responder Legal Insurance can tailor your coverage up to $250,000 for under $300/year!
- The First Responder Legal Insurance experience is unparalleled in the industry. Our defense counsel are experts.
- Our coverage is backed by the security of A rated carriers (A.M. Best).

LEGAL CORE-COVERAGES
First Responder Legal Insurance's Legal Plan has two (2) basic core-coverage elements:

1. Administrative Proceedings Costs Coverage
Defense costs for the insured if they are named in an administrative proceeding or asked to participate in the administrative proceedings of a co worker.
 

2. Criminal Proceedings Defense Costs Coverage
In the event of any claim in any criminal proceeding involving the insured due to any wrongful act occurring while the insured is acting in the scope of public employment.

First Responder Legal Insurance LEGAL PLAN - SAMPLE POLICY
The First Responder Legal Insurance Legal Plan also has eight (8) endorsements (or riders):
- Civil Proceedings Defense Cost Coverage - In the event the public Employer declines to defend an insured in any civil proceeding for any claim for a wrongful act allegedly occurring while the insured is acting within the scope of public employment.  Note: This coverage is ONLY written on a group basis. Supplemental questionnaire required.
- Coverage for Defense Costs Protection for Good Samaritans and Voluntary Off-Duty Response to Action
- Defense Costs Protection for Claims Arising from Outside Employment
- Coverage for Alleged Wrongful Acts Involving Firearms Issued by a Public Employer
- Benevolent Life Insurance Coverage
- Accident Coverage
- Option to Select Counsel
- Loss Prevention Hotline