We often receive inquiries about the difference between FEDS professional liability insurance program and the liability insurance offered by our competitors.  Most federal employee professional liability policies, like FEDS, are secured and underwritten by an AM Best 'A' rated insurance carrier; and the core liability protections offered are basically the same - $1,000,000 or $2,000,000 dollars of indemnity protection for civil suits, $200,000 for administrative defense, and $100,000 for criminal defense. 

We distinguish our program by:

• Premium Savings.  The FEDS policy is about $20 - $30 less expensive than our competitors and offers payroll deduction.
• Legal Representation for Civil Matters is Not Capped.  The full $1,000,000 or $2,000,000 liability limits for civil protection are separate and distinct and not subject to the defense limits of the administrative and criminal provisions. 
• Claims Handling.  FEDS' Claims Administrator has a wealth of experience with federal employee civil, criminal and administrative liability issues.  We have specifically designed our program so that coverage decisions are based upon the facts of the case and the terms and conditions of the master policy.  Decisions are not controlled by FEDS or the insurance company to ensure the best interest of federal employees without the appearance of conflicts of interest.
• No Deductibles, Admin or Other Fees. Other than a one-time set up fee for new members who pay for their insurance by payroll deduction, there are no administrative fees associated with the FEDS insurance. Similarly, there are no processing fees for credit card payments.
• Superior Legal Defense. FEDS has assembled a nationally recognized panel of attorneys who have a vast amount of experience in representing federal employees. This panel features the law firm of Shaw, Bransford & Roth, P.C. (SB&R), which has successfully defended federal employees for over 25 years. SB&R previously handled claims for other providers, but is now exclusively handling such claims for FEDS.
• Full Criminal Coverage versus Limited Criminal Coverage. The FEDS program will not seek to recover defense fees from the insured if a finding of guilt occurs. Unlike similar policies, the FEDS Master Policy does not have a “claw back” provision that allows us to recover claims expenses or monetary penalties for a criminal proceeding, regardless of the outcome.
• Free Consults.  FEDS offers two free 1/2 hour legal consultations with an attorney experienced in the areas of federal personnel and employment law for matters not covered by the liability insurance.  Attempts by other companies to mirror this valuable service are simply not comparable and will cost you more money.   
• Pro Rata Refund Available. FEDS gives pro rata refunds for members who retire or otherwise leave federal service. Other providers do not give comparable refunds and even have policy language that states that their policy is “non-refundable.”
• Commitment and Know-How. FEDS President and Founder is a former employee and attorney of a federal agency who has continually demonstrated his understanding of and commitment to the federal community.  His knowledge and commitment along with the 25+ years of experience our lawyers have in providing legal representation to federal employees are the very reasons that FEDS is endorsed by many leading federal employee associations.

Coverage is subject to the terms and conditions of the program insurance policies.