Active Federal LEO

LEOSA Liability Coverage for Active Federal Law Enforcement Officers

FEDS Protection developed the LEOSA Endorsement for active federal law enforcement officers to fill the exposure gaps of federal LEOs carrying off-duty.

This optional protection, which can be added to the FEDS Federal Employee PLI policy, provides civil liability and criminal investigation coverage for legal and justified acts of qualified federal LEOs under the Law Enforcement Officer Safety Act of 2004 and the LEOSA Improvement Act of 2010.

While these Acts allow qualified LEOs to act off duty, they do not shield from civil and criminal liability exposure.

Active federal LEOs can add this endorsement to your coverage at the time you apply for or renew your FEDS PLI policy.

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“The risks facing federal employees are too great and the out-of-pocket costs for legal representation too high for federal employees to fail to protect themselves with FEDS Protection.”

Christopher J. Keeven, Partner, Shaw Bransford & Roth P.C.

“I encourage all federal employees to protect themselves and invest in a professional liability policy. It is a small price to pay in exchange for the protection and security it can provide you.”

David Schertler, Managing Partner, Schertler & Onorato, LLP

"Anyone in law enforcement knows the risks they face. You’re trained to recognize situations, and are usually prepared to deal with the threat(s). The one thing you don’t get much training in are civil matters. Agents and investigators should strongly consider professional liability insurance at FEDS. They understand the issues faced and are well suited to design a policy to fit your needs.”

Michael R. Bouchard, ATF Assistant Director (Retired)

Why LEOs Need LEOSA Coverage

Even if you are authorized to carry off-duty, representation from your agency in the event of a LEOSA incident is not automatic or mandatory. Your agency may decide that you were acting outside of scope, outside of the interest of the U.S. to defend, and/or outside of agency LEOSA authority for off-duty incidents. When that happens, it is crucial that you have the tools to effectively defend yourself. Our panel attorneys have extensive experience representing federal law enforcement officers in civil and criminal matters.

What to Consider

When evaluating your liability exposure, it is important to consider:

Your agency’s off-duty authorization.
How and when you carry when off duty or not on assignment.
How and when you would involve yourself in a particular situation, i.e., if it is within your agency authority to defend yourself/others while off duty.
How and when you would act to prevent loss of life or serious injury to others.

Key Areas of Coverage

The FEDS Protection LEOSA Endorsement for Active Federal LEOs safeguards officers by providing the following coverage:

Civil liability for bodily injury or property damage caused by a lawful act under LEOSA, an act of self-defense, or the defense of a spouse/legal dependent.
Criminal defense resulting from an alleged criminal action involving self-defense, or the defense of a spouse/legal dependent.
Criminal defense against state charges of unlawful carriage of a firearm or federally legal ammunition when lawfully carrying under LEOSA.

Read the FEDS Master Policy Here

$250,000 LEOSA Endorsement

Additional $100 annually (plus Surplus Lines Tax)
$250,000 in coverage for legal defense and indemnity related to civil lawsuits for bodily injury or property damage caused by a lawful act under LEOSA, an act of self-defense, or the defense of a spouse/legal dependent.
$50,000 in coverage for criminal defense resulting from an alleged criminal action involving self-defense, or the defense of a spouse/legal dependent.
$25,000 in coverage for criminal defense against state charges of unlawful carriage of a firearm or federally legal ammunition when lawfully carrying under LEOSA.

$500,000 LEOSA Endorsement

Additional $150 annually (plus Surplus Lines Tax)
$500,000 in coverage for legal defense and indemnity related to civil lawsuits for bodily injury or property damage caused by a lawful act under LEOSA, an act of self-defense, or the defense of a spouse/legal dependent.
$50,000 in coverage for criminal defense resulting from an alleged criminal action involving self-defense, or the defense of a spouse/legal dependent.
$25,000 in coverage for criminal defense against state charges of unlawful carriage of a firearm or federally legal ammunition when lawfully carrying under LEOSA.

There’s a reason why FEDS Protection is endorsed and recommended by the leading federal law enforcement officer associations. Ask around!

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