BHB Insurance Services, LLC ™ August 16, 2012 BHB Insurance Services, LLC Protecting those who protect us ™ © 2012 B H B Insurance Services, LLC. All Rights Reserved. No part of this work may be reproduced or used in any manner without the advance written permission of the copyright owner.4

BHB Insurance Services, LLC ™ A cop has to make critical decisions in the blink of eye. A jury can take weeks to decide if you made the "right" one.

The Story of Chad Walder A Police Officer for NJ State Park He & female coworker fight with 5 men Ambushed while rushing to partner's aid Ultimately shoots one assailant Assailant dies 10 days later Acquitted in criminal court Convicted in civil court Court required him (and family) to pay a Punitive Damage Judgment on 11/30/11... of $150,000

April 14, 2012 Legal settlements demand officers pay too Some defendants want cops punished Chad Walder is not alone St. Paul officer ordered to pay man $35K April 15, 2012 Federal jury rules against Portland police in Tasing Officer to pay $125,000 March 19, 2012 Death was ‘reckless and unjustified,’ aunt of victim tells court March 18, 2012

Chicago cop gets $565,000 for drug raid Published: Aug. 11, 2012 at 3:24 PM CHICAGO, Aug. 11 (UPI) -- A Chicago police officer whose apartment was raided by fellow officers based on a bad tip that he was dealing drugs has been awarded $565,000 in damages. A federal court jury said Friday the raid was illegal, the Chicago Tribune reported. Jurors awarded Markee Cooper Sr. and his wife, Sherita, $450,000 in compensatory damages and $115,000 in punitive damages. Cooper's lawyer, Brendan Stiller, said the city is responsible for the compensatory damages, while the punitive damages were assessed against three officers who are personally responsible for the money. The largest amount, $100,000, is to come from Officer Sean Dailey, who obtained a search warrant based on a tip from an informant he knew only as "Lamar." Cooper is a member of the department's organized crime division. He testified he thought the raid was a home invasion and then discovered he was surrounded by plainclothes officers. Both Cooper and his wife said the raid traumatized their two young sons, who had to watch as their father knelt on the floor and turned over his gun and badge. Source: UPI.com (highlight and underscore added)UPI.com

20 Every Day in the United States... Source: National Police Misconduct Statistical Reporting Project (2010) Incidents of Alleged "Police Misconduct" Reported 29.4% Result in Criminal Charges Incidents of Alleged "Police Misconduct " Result in Conviction 32.5%

30% Every Day in the United States... Source: Department of Justice Report on Punitive Damages (2011) of Those Convicted Are Required to pay Punitive Damages A Punitive Damage judgment is made against a police officer every other day!

During the Calendar Year 2012 Police Officers required to pay Punitive Damages More than one judgment per week 55 Average judgment amount $5,904,450 Total cost of all judgments $107,353

How are You and Your Family at Risk? Following a conviction, the court may award...

Paid by the Insurance Company Paid by YOU!!! The Court may award... COMPENSATORY DAMAGES PUNITIVE DAMAGES

Are You and Your Family at Risk? Half of the assets used to pay the judgment belong to the spouse..... but they were completely innocent!

Why aren't these damages covered by your homeowners or umbrella insurance policy? 26 states exclude punitive damages

All 50 states and EVERY insurance policy exclude intentional acts.

How Can You Protect Your Family's Assets? The spouse is our insured and can be protected by P2 insurance. P2 is the only insurance solution !... by insuring their portion of the assets lost from a punitive damage judgment. We protect your family...

P2 is a unique and patented insurance product designed to protect the assets of the innocent spouse or family member from a punitive damage judgment. You Shouldn’t Need It, But You Do! ™ Why P2? ™ For more information go to