Liability Insurance for Federal Employees and Contractors

FREQUENTLY ASKED QUESTIONS

Coverage *
Q: Why do you need Professional Liability Insurance?
The following is a brief overview of the potential personal liabilities federal employees sometimes face in their careers, as well as...
Q: Am I covered if I switch to a FEDS policy from another federal employee PLI provider and a new claim arises based upon an act committed prior to my FEDS policy date?
The essence of this question involves a concept we call "retro date", which is short for retroactive coverage date. The claims made feature of...
Q: How do I decide which policy limit is right for me?
Selecting the right limit is difficult because you are trying to predict the magnitude of an event that may (or may not) happen. The best practice approach...
Q: Why do I need liability protection for EEO complaints? I thought my agency defends the EEO complaint and me?
While it is true that the agency's attorneys are responsible for defending the EEO complaint and working with you to further the agency's defense...
Q: Can you provide me with a brief overview of FEDS Federal Employee Professional Liability Insurance Policy?
FEDS PLI pays for legal defense up to $200,000 for any administrative investigation arising out of any act, error, or omission...
Q: How is FEDS PLI policy for federal employees different from other providers?
Legal Representation for Civil Matters is Not Capped by Sublimits. Unlike some carriers, the full $1,000,000 or $2,000,000 liability ...
Q: As a federal employee acting within the scope of my employment, why would I need FEDS PLI coverage for a civil suit?
You don’t have absolute immunity for these types of lawsuits like you do for common law torts filed under the Federal Tort Claims Act (FTCA). Also, DOJ representation is not ...
Q: How is “in the best interest of the United States” defined?
There is no real case law that defines "in interest of the United States" because it is a decision that is left to the...
Q: What is included in the Consultation benefits of the federal employee policy?
The FEDS policy allows for two half hour legal consultations - at no additional cost - with an attorney for pre-complaint matters and...
Q: Does the FEDS federal employee policy cover security clearance matters?
Security clearance matters, almost exclusively, are the result of actions or decisions made outside of employment. The FEDS policy provides defense ...
Q: Where can I download and mail in an Enrollment Form?
You can download a pdf of any enrollment form...
Q: What's included with Federal Employee Coverage?
FEDS provides coverage for Civil Suits, Administrative & Disciplinary sanctions and Criminal Investigations......
Q: What coverage does FEDS provide for Federal Employees and Special Military Agents?
Brief Coverage Overview of FEDS Professional Liability Policy for Federal Employees including Military Special Agents - FEDS PLI pays for ...
Q: Does FEDS offer any LEOSA-HR218 or State CCW Protection for federal LEOs?
Yes, for an additional premium, FEDS offers coverage to fill the LEOSA exposure gaps.For an additional $150 annually, FEDS offers...
Q: Does FEDS provide any Consultation benefits?
The FEDS policy allows for two half hour legal consultations -at no additional cost - with an attorney for...
Q: Why is FEDS federal employee policy recommended over all other policies?
Superior Legal Defense. This is one of the most important differences between the FEDS program and others. The quality of legal representation...
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