Law enforcement has long ranked among the most dangerous professions in the United States. According to research compiled by the University of Illinois Chicago’s Police EPI program, approximately 30,000 law enforcement officers suffered injuries or illnesses requiring time off work in 2022 — most resulting from non-violent causes like falls, vehicle incidents, and overexertion. That same year, 130 officers died on the job, with transportation incidents and assaults each accounting for about 40% of those fatalities. Given these persistent occupational hazards, reviewing 24-hour accidental death and dismemberment insurance annually with your law enforcement clients is essential. This type of policy ensures that officers are protected whether an incident occurs on or off duty.
What Is 24-Hour AD&D Insurance and Why Does It Matter?
Unlike duty-only AD&D coverage, 24-hour accidental death and dismemberment insurance protects officers both on and off duty. Whether it’s a traffic collision while commuting, a fall at home, or an incident while volunteering in the community, this policy provides financial protection for covered injuries or death resulting from accidents.
Officers frequently encounter high-risk scenarios that extend beyond standard job duties, and many departments are unaware of the significant exposure that occurs outside working hours. As their advisor, recommending 24-hour AD&D coverage helps you demonstrate value, reduce their liability, and strengthen your relationship.
Review These Key Elements in the Current Policy
An annual policy review is an excellent time to identify potential improvements. When working with your law enforcement clients, focus on:
- Benefit limits: Do the current limits meet today’s financial realities for injured or fallen officers?
- Exclusions: Are any off-duty risks unintentionally excluded from coverage?
- A&H insurance coordination: Does the policy integrate well with any group accident and health (A&H) insurance in place?
- Eligibility: Has the client’s staffing changed? Make sure all eligible personnel are included.
Also consider emerging trends. For instance, more departments are requesting mental health resources and benefits. Recommending supplemental offerings, such as a first responder assistance program, can add value to your client consultations.
Help Clients Match Coverage to the Realities of the Job
Each law enforcement agency has unique needs. Encourage your clients to align their insurance program with their operational structure — size, scope of work, location, and demographics all play a role.
Help them uncover gaps in their current policy, whether it’s outdated exclusions or a lack of optional riders. Your expertise in structuring customized solutions is critical — especially for smaller or under-resourced departments that may not have in-house HR or risk-management teams.
Why an Annual Insurance Review Benefits Both You & Your Clients
When you proactively guide clients through a coverage checkup, you help them avoid surprises during a claim — and you reinforce your value as a trusted advisor. Your ability to identify risks and offer strategic adjustments positions you as a specialist in serving law enforcement.
Partnering with a carrier like Provident, which focuses exclusively on emergency services and public safety, helps you deliver tailored protection backed by over a century of expertise.
Contact Provident today to help your law enforcement clients protect their teams with smart, 24/7 coverage.
FAQ About Law Enforcement Health Insurance
Why should insurance agents recommend 24-hour AD&D coverage?
It offers comprehensive protection beyond the shift, which strengthens your client’s risk-management strategy and helps ensure coverage is there when it matters most.
How does this coverage differ from regular AD&D insurance?
Duty-only policies limit coverage to incidents that happen on the job. 24-hour coverage extends protection to personal time, commutes, and off-site activities.
How often should I review policies with law enforcement clients?
Annually. The department’s needs can change frequently, and new hires, shifting roles, and budget priorities all impact coverage requirements.
Can smaller municipal departments afford this coverage?
Yes. Provident’s solutions are scalable, designed to serve both large city agencies and small-town departments effectively.
About Provident
Founded in 1902, our rich history includes the creation of custom firefighter insurance benefits in 1928. Today, Provident continues to be a pioneer in developing insurance programs for firefighters, EMS providers, municipal entities, and law enforcement. In addition, we provide Special Risks insurance for various volunteer and nonprofit groups. Give us a call today at (412) 963-1200 to speak with one of our representatives.