Close up on handcuffed hands At first glance, these acts fall within the personal and advertising injury liability coverage under ISO’s CGL policy CG 00 01. This section specifically covers “personal and advertising injury,” which includes false arrest, detention, or imprisonment in the definition of “personal and advertising injury.” In this situation, however, there is one crucial difference: The two former police officers acted intentionally. As we all know intentional acts are excluded in insurance policies. (Credit: Jan H. Andersen/Adobe Stock)

Two former police officers have been indicted on three felonies each, including kidnapping, false imprisonment and use of a firearm during a felony.

The two men were working as bail fugitive recovery persons, a.k.a. “bounty hunters,” despite the fact that neither of them had completed the bail fugitive recovery training. They were caught after the California Insurance Department found an online video misidentifying the men as undercover officers while they looked for a person who had missed multiple court appearances.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.  

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