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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: 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: 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: 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: 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...
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......
Scenarios *
Q: What could happen if I am personally sued?
Being sued personally is not limited to law enforcement employees—it could happen to anyone—especially if you deal with the public or make...
Q: What does a Feds Professional Liability Policy pay for any disciplinary, judicial sanction or administrative investigation?
The FEDS policy pays for legal defense up to $200,000 for any disciplinary or judicial sanction proceeding or administrative investigation...
Q: What does a FEDS policy pay for any criminal proceeding or investigation into any act, error, or omission?
The FEDS policy pays for legal defense up to $100,000 for any criminal proceeding or investigation into any act, error, or omission...
Q: Scenarios and Allegations
Here are some scenarios and allegations for different federal employees...
Claims *
Q: How do I make a claim?
To invoke your policy benefits, provide us with the following information relevant to your claim via email at...
Q: Who provides my legal representation?
Once coverage is determined by the FEDS Claims Administrator, your case will be assigned to the appropriate legal counsel...
Q: Are FEDs' liability benefits secured by an insurance company?
Yes, FEDS' liability benefits are secured by a U.S. based insurance company with an A.M. Best Financial Strength rating of A+XV(Superior)....
Q: How do I schedule my free consultations?
Call 866-955-FEDS Monday through Friday 8am – 6pm ET....
Q: What are the claim reporting requirements for federal employees?
All claims must be reported in compliance with Section VIII – Conditions, A. Insured Member’s Duties in the Event of Occurrence, Claim or ...
General Questions *
Q: Why do federal employees choose FEDS over other federal employee professional liability insurance programs?
The core liability protections offered by federal employee professional liability carriers are basically the same - we distinguish our program by...
Q: I am eligible for agency reimbursement up to half the cost of this insurance. How do I get reimbursed?
Simply take your Certificate of Benefits to your Human Resources Office and ask them how you apply for the reimbursement of your professional...
Q: Why do I need liability protection for EEO complaints filed against me as the Responsible Management Official? I thought my agency’s attorneys defend 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: Are you a member of the Better Business Bureau?
Yes. FEDS is an accredited business with the Better Business Bureau....
Q: I thought DOJ represents me in the event I get sued personally for acts or omissions occurring within the scope of my employment. Why should I get a FEDS PLI policy if DOJ will represent me?
While it is true that in over 90% of all cases, DOJ does represent or hire private counsel to represent federal employees in civil suits for...
Q: I am an AUSA/DOJ attorney and would like to know if this insurance covers me for a State Bar matter or proceeding?
Yes—State Bar proceedings that arise out of the performance of your AUSA duties are covered by the administrative provision of the...
Q: How do I learn more on Veterans Affairs Professional Liability Insurance FAQ's?
Use this link to get answers to frequently asked questions concerning Veterans Affairs...
Q: Is my Credit Card purchase secure?
You can shop at fedsprotection.com with confidence. We have partnered with Authorize.Net, a leading payment gateway since 1996...
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