This is a comparison for federal employee professional liability insurance. If you are a federal contractor or are looking for a product other than federal employee PLI, please visit our products overview.

FEDS Protection’s core professional liability insurance (PLI) policy for federal employees covers three areas of protection: $1,000,000, $2,000,000, or $3,000,000 of indemnity protection for civil suits, $200,000 for administrative defense, and $100,000 for criminal defense. Additionally, a coverage tail – referred to as the 36-month extended reporting period in the FEDS policy – providing civil protection for up to three years after service is typically built into federal employee PLI (FEPLI) policies. With additional benefits, superior legal resources, and outstanding customer service, FEDS Protection sets itself apart from other PLI providers.

How is FEDS Different?

• FEDS is a U.S.-based company with benefits secured by a U.S.-based insurance company.
• Legal representation for civil matters is not capped by sublimits. Unlike some programs, the full $1,000,000, $2,000,000, or $3,000,000 liability limits for civil protection are separate and distinct and not subject to the defense limits of the administrative and criminal provisions.
• FEDS provides superior legal defense. This is one of the most important differences between the FEDS program and others. The quality of legal representation and counsel that you can expect as a FEDS member is one of the main reasons the leading federal employee associations – such as FLEOA, SEA, and PMA – endorse us. Our panel law firms have decades of specific experience in representing federal employees. Shaw, Bransford & Roth leads our panel, providing representation on a wide range of employment law and federal personnel issues. For civil and criminal matters, as well as conflicts and other case-specific circumstances, FEDS calls upon Schertler and Onorato, LLP, MoloLamken LLP, and other firms whose experience and expertise is necessary to handle these matters.
• Coverage is included for managers facing employee allegations of harassment, discrimination, retaliation, & wrongful termination. Unlike similar policies, the FEDS policy does not charge additional premiums or require you to purchase additional endorsements for Employment Practices Liability claims in order to defend you in the event you are subject to these allegations.
• Coverage is included for employees serving outside of CONUS or in other international posts of duties. FEDS recognizes how important this coverage is to those employees serving outside of CONUS or otherwise in international posts of duties and includes it in all FEDS Protection federal employee professional liability insurance policies at no additional cost.
• FEDS may provide coverage counsel prior to DOJ determination. Unlike some programs, FEDS will appoint, in certain cases, coverage counsel prior to DOJ’s determination of scope and interest. Having your own attorney advocating on your behalf is very important during this decision process.
• FEDS offers a payroll deduction payment option. In addition to standard payment methods, such as credit card and check, FEDS offers payment via biweekly payroll allotments.
• Pro rata refunds are available for any reason. FEDS gives pro rata refunds for members who retire or otherwise leave federal service, or cancel coverage for any reason. Seasonal employees are able to cancel coverage at the end of their season and renew when they return to work. Other providers do not give comparable refunds.
• Unrivaled commitment, know-how, and customer service. The FEDS President and Founder is a former federal attorney who has continually demonstrated his understanding of and commitment to the entire federal community. FEDS representatives are dedicated to providing you with timely services and personalized attention.

FEDS Protection is Affordable:

$1,000,000 Policy:$290*

$2,000,000 Policy:$390*

$3,000,000 Policy:$490*

* Plus applicable taxes and administrative fees

Payroll deduction is available, starting at $12 per pay period.

HR-218/LEOSA Coverage Available for Federal Law Enforcement Officers.

Managers, supervisors, and law enforcement officers are eligible for agency reimbursement of up to 50% of the PLI premium cost.

Questions? Need Help?
Please call us at (866) 955-FEDS or contact us online.