Professional Liability Insurance and Eagle

FREQUENTLY ASKED QUESTIONS

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 qualified LEOs:

  • up to $500,000 of civil liability for bodily injury or property damage caused by an act of self-defense, including the defense of a spouse and legal dependants; or, for bodily injury or property damage caused by a lawful act under the LEOSA or CCW laws;
  • up to $50,000 for criminal defense costs resulting from a criminal action involving a self-defense (or spouse/legal dependent defense) related incident; and
  • up to $25,000 for criminal defense against state charges of unlawful carriage of a firearm or federally legal ammunition when lawfully carrying under LEOSA or a CCW.

For an additional $100 annually, FEDS offers qualified LEOs:

  • up to $250,000 of civil liability for bodily injury or property damage caused by an act of self-defense, including the defense of a spouse and legal dependents; or, for bodily injury or property damage caused by a lawful act under the LEOSA or CCW laws;
  • up to $50,000 for criminal defense costs resulting from a criminal action involving a self-defense (or spouse/legal dependent defense) related incident; and
  • up to $25,000 for criminal defense against state charges of unlawful carriage of a firearm or federally legal ammunition when lawfully carrying under LEOSA or a CCW.

The Law Enforcement Officer Safety Act of 2004 and the LEOSA Improvements Act of 2010 exempt qualified active and retired law enforcement officers (LEOs) from state and local laws prohibiting the carrying of concealed firearms so they could carry firearms to protect themselves, their families, and others from criminals and terrorists.

These Acts, however, do not shield qualified LEOs from civil and criminal liability exposure - so the option to purchase LEOSA -HR218 and State CCW protection is now available.

The relevant legal concepts and doctrines in the area of federal employee liability and LEOSA are complicated. In most cases, civil suits resulting from fully justified acts under LEOSA will likely by dismissed on immunity doctrines and Good Samaritan laws. However, not all qualified federal law enforcement officers under LEOSA have the same off-duty authority as 1811's do, and more importantly, this coverage was designed to fill the LEOSA civil exposure gaps similar to the on-duty civil liability gaps of federal agents if the agency finds the officer acting outside of scope, outside the interest of the U.S. to defend, and/or outside of agency LEOSA authority.

The coverage also pays for criminal defense costs resulting from a criminal action involving a self-defense related incident as well as criminal defense against state charges of unlawful carriage of a firearm or federally legal ammuntion when lawfully carrying under LEOSA or CCW.

This optional coverage applies to acts, errors or omissions directly related to the ‘‘Law Enforcement Officers Safety Act of 2004’’ as amended by the ‘‘Law Enforcement Officers Safety Act Improvements Act of 2010’’ and codified at 18 U.S.C. § 926B and state Conceal and Carry (CCW) laws.

The coverage option you choose will be reflected on your Certificate of Insurance. The Certificate of Insurance will be e-mailed to you shortly after you enroll. For complete terms and conditions of the coverage, read the Master Policy.

This is just one more reason the leading federal law enforcement officer associations recommend all federal law enforcement officers protect themselves with FEDS Professional Liability Insurance.

If you would like additional information, contact FEDS toll-free at 866.955.FEDS (3337) or email feds@fedsprotection.com.

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