“Perhaps the law is different in Georgia, but I am told that here in my state, a police officer is regarded as legit law enforcement until he dies. I’ve been told that many times by police officers whom I have happened to know over the years.”
Before I retired, I was a litigation analyst in the insurance industry. During my long career, with one of my companies I handled law enforcement liability cases, which included 42 USC 1983 cases. Neither we — the insurer — nor the law enforcement agency (be it municipal or state) would defend a current or retired cop who was not acting within the course and scope of his or her position with that agency or department. And NO retired cops were ever covered unless they were deputized for a specific purpose.
That may be so, but does not prove the retired cop is not acting under the color of law. These actions, or lack thereof, could also be construed as your company being risk and loss averse, which is something we already know about insurance companies.
If it isn't covered in the policy, why would any insurance company pay for it? Who gives away free money?