Private Patrol Operator Practice Test

What type of insurance coverage is required for a PPO wishing to carry a firearm?

1. General liability insurance

2. Property insurance

3. Liability insurance of $500,000 for bodily injury and property damage

4. Workers' compensation insurance

The correct answer is: Liability insurance of $500,000 for bodily injury and property damage

For a Private Patrol Operator (PPO) wishing to carry a firearm, liability insurance of $500,000 for bodily injury and property damage is specifically required. This coverage is vital because it protects the PPO against claims arising from incidents that could occur while performing their duties, especially those involving the use of a firearm. Such incidents could lead to significant financial liability, and having sufficient coverage is essential to ensure that the operator can manage any potential legal costs or settlements. In contrast, general liability insurance typically covers a broader array of risks that may not specifically pertain to firearms or personal injury related to their use. Property insurance focuses on protecting physical assets rather than liabilities incurred from actions taken while on duty. Workers' compensation insurance is designed to cover employees who may be injured in the workplace, but it does not address the specific liabilities associated with carrying and using a firearm. Thus, having targeted liability coverage is a necessary requirement for safety and legal compliance in the context of using firearms as part of a PPO's operations.