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Liability Insurance for Federal Employees and Contractors


Q: How do I decide which policy limit is right for me?

FEDS Protection offers a $1,000,000 Civil Liability Limit, a $2,000,000 Civil Liability Limit, and a $3,000,000 Civil Liability Limit. 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 should include consideration of your exposure and the cost of defense.

If you are a federal employee, analyze your exposure. Are you a manager, law enforcement officer, director, program manager, political, contracting officer, or someone who is responsible for making decisions in the best interest of the public? If so, you are more likely to be pulled into a civil suit (Bivens action or personal capacity suit), or be sued individually- yet along with other employees- where DOJ may deny representation. The $1,000,000, $2,000,000 and $3,000,000 federal employee policies provide you with an attorney to defend against allegations AND pay financial damages if you are found liable and the agency will not indemnify you.

Understand what is meant by civil suit "defense costs”. The defense attorney representing you is critical – and at $400+ per hour for a good attorney experienced in federal employment law – it is also very expensive. Unlike other companies, the legal representation for civil suits provided by FEDS Protection is not capped by administrative sub-limits of the policy. We provide experienced, knowledgeable, tenacious counsel to defend you all the way up to the $1,000,000, $2,000,000 or $3,000,000 limit of the policy at a minimal cost. Something to keep in mind when determining which policy is right for you is that $100 in additional premium provides you with $1,000,000 in additional civil defense/indemnification, likewise $200 in additional premium provides you will $2,000,000 in additional civil defense/indemnification.

The $1,000,000, $2,000,000 and $3,000,000 policy options provide identical protection for Administrative & Disciplinary Matters (including employment practice liability for managers and supervisors), Criminal Investigations & Proceedings, and Worldwide Coverage.

A division of StarWind Specialty