Professional Liability Insurance

About Federal Employee Professional Liability Insurance (FEPLI)

Federal employees (including military federal civilian employees) at all levels can face allegations of misconduct and wrongdoing, even when acting within the scope of their federal employment. Our Federal Employee Professional Liability Insurance (FEPLI) can protect you against baseless discrimination, harassment, or retaliation accusations. Without Federal Employee Professional Liability Insurance, you could face long-term consequences that could affect your career.

Whether you are a current federal employee, federal contractor, or a former federal employee, we have a unique Professional Liability Insurance program specifically designed for you.

Why buy from Starr Wright USA?

We invented Federal Employee Liability Insurance, and have served current and former federal employees for half a century. Starr Wright USA’s Federal Employee Professional Liability Insurance can provide you peace of mind, knowing that you will receive legal assistance if a claim is made against you, even if the allegation is completely false. We have developed several options to meet your unique needs and can offer great rates; we offer plans with rates that break down to less than $2.00 a day. 

Federal employees at all levels should make sure they are protected. Starr Wright USA created Professional Liability Insurance specifically for federal employees, and we have paid more claims than all of our competitors combined. With Starr Wright USA, you will be assisted by experienced attorneys who will guide you through the legal process from beginning to end. In fact, we have a national panel of former assistant U.S. Attorneys and federal employees with the subject matter expertise and appropriate security clearances to properly handle your claim.

Benefit Highlights

For current federal employees, our Federal Employee Professional Liability Insurance plans provide you with coverage for liabilities arising out of acts, errors, and omissions that you commit as a federal employee.

  • Starr Wright has no potential conflicts of interest.
  • Global protection is available with our World Wide and Career Protector plans, which expand coverage to include allegations brought against you anywhere in the world.
  • Our plans offer up to $2,000,000 to pay civil court judgments against you, up to $200,000 in defense costs for federal government-initiated administrative proceedings, and up to $200,000 in defense costs for criminal proceedings or investigations.
  • Our Loss Prevention Helpline provides up to two hours of phone consultation with a legal professional to counsel you and try to reduce your liability exposure before a claim is even filed (included in the Career Protector plan at no additional cost; $50 additional annual charge for all other plans).
  • Regardless of which plan you choose, keep in mind all federal agencies are required by law to reimburse qualified employees up to half of their annual premium for their coverage.

For federal contractors and former federal employees who provide services on a consultative/contract basis, we have a Professional Liability Insurance program tailored to meet your specific needs. Also known as Errors and Omissions (E&O) Insurance, this coverage protects you and your business from allegations of negligence or failure to perform your professional duties. Without this valuable coverage, you could be liable for these exposures, jeopardizing both your corporate and personal assets. Furthermore, most consultants/contractors are required to maintain professional liability coverage as part of their agreement. Starr Wright USA’s Professional Liability Insurance program for consultants/contractors include features up to $1,000,000 in professional liability coverage to protect against allegations of wrongful acts, errors, or omissions committed by you while performing duties for which you were contracted.

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Our online application is quick and easy -- you can buy online within minutes. Click here to get started.

If you'd prefer to apply for and purchase your Federal Employee Professional Liability Insurance by mail or fax, please download and complete the forms below:

Application for current federal employees


Application for federal employees in their first three years

Electronic Funds Transfer (EFT) Form
(required along with your application if you wish to enroll in Electronic Funds Transfer)

FAQs

Who is eligible and how can they apply?
Full/part-time federal employees (including military federal civilian employees) are eligible to apply for Starr Wright USA’s Federal Employee Professional Liability Insurance (FEPLI) plans. Federal contractors and former federal employees who generate all of their revenues (up to $500,000 annually) from consulting/contracting agreements may be eligible for Starr Wright USA’s Professional Liability Insurance plan for contractors/consultants.

I'm a current federal employee; is this coverage really worth the cost?
Starr Wright USA’s Federal Employee Professional Liability Insurance (FEPLI) for current federal employees costs $292, $342, $350, or $400 per year depending upon which plan is chosen. The annual premium can break down to less than $1 a day. Disciplinary actions or investigations, allegations of negligence, or of failure to perform your professional duties will easily cost more than the annual premium of this insurance. Professional Liability Insurance through Starr Wright USA can potentially save you thousands of dollars.

I'm a federal contractor/former federal employee; is this coverage really worth the cost?
Starr Wright USA’s Professional Liability Insurance (PLI) for consultants/contractors can cost from $700 to $1,335 per year (rates include a $50 Administrative Fee), depending upon the revenues earned by you as a consultant/contractor and the liability limits selected. The annual premium can break down to less than $2 a day. Disciplinary actions or investigations, allegations of negligence, or of failure to perform your professional duties will easily cost more than the annual premium of this insurance. Professional Liability Insurance through Starr Wright USA can potentially save you thousands of dollars; and for most consultants/contractors, maintaining professional liability coverage is a compulsory part of your agreement.

Is it true my Agency will reimburse me for 50% (or more) of the premium for my Wright FEPLI coverage?
Yes, the federal government considers this protection so important your agency may be authorized to reimburse qualified employees 50% or more of your Starr Wright USA FEPLI premium. Please contact your Office of Human Resources to find out if you are eligible and the procedures to process a reimbursement request from your agency.

When do benefits begin?
Benefits are effective the day your application is received (subject to applicable subsequent premium payment).

Does Starr Wright USA have any plans specifically designed for federal government new hires?
Yes, Starr Wright USA has a unique Professional Liability program called Career Builder specifically for federal employees within their first three years of service.

Do any of Starr Wright USA's plans provide coverage for Security Clearance Proceedings?
Yes, Starr Wright USA's World Wide and Career Protector plans provide coverage to defend against administrative proceedings to revoke an insured's security clearance.

Does Starr Wright USA’s FEPLI policy provide protection for justified acts of qualified Federal Law Enforcement Officers, directly related to the Law Enforcement Officers Safety Act (LEOSA)?
Yes, Starr Wright USA’s Federal Employee Professional Liability Insurance (FEPLI) includes coverage on our Career Protector plan to protect qualified active federal law enforcement officers against any liabilities arising out an act, error, or omission as defined and authorized by the Law Enforcement Officers Safety Act at no additional cost. Qualified active federal law enforcement officers will be protected when taking reasonable action to:

  • assist other law enforcement officers from other agencies;
  • protect an individual in your presence from a crime of violence;
  • provide immediate assistance to an individual who has suffered or who is threatened with bodily harm, and/or;
  • prevent the escape of any individual who you reasonably believed to have committed a crime of violence in your presence.

Eligibility

Only full/part-time federal employees (including military federal civilian employees) are eligible to apply for Starr Wright USA's Federal Employee Professional Liability Insurance (FEPLI) plans. Regardless of which plan you choose, keep in mind that all federal agencies are required by law to reimburse qualified employees up to half of their annual premium for their coverage.

Rates

For current federal employees, rates are as follows:

Federal Icon

Federal Employee

Basic

$292/yr

$1,000,000 Liability Limit
Defense Coverage
$200,000 Administrative
$100,000 Criminal
Included in Administrative Coverage
N/A
N/A
Add Loss Prevention Service for $502
Law Enforcement Icon

Law Enforcement/Intelligence

World Wide1

$350/yr

$2,000,000 Liability Limit
Defense Coverage
$200,000 Administrative
$200,000 Criminal
Included in Administrative Coverage
Security Clearance Coverage Included3
$500,000 LEOSA Liability
N/A
Supervisors Icon

Managers/Supervisors

Career Protection

$400/yr

$2,000,000 Liability Limit
Defense Coverage
$200,000 Administrative
$200,000 Criminal
$200,000 Additional Employment Practices
Security Clearance Coverage Included3
$500,000 LEOSA Liability
Loss Prevention Service Included2

1Plan provides coverage outside the United States.
2LPS (Loss Prevention Services) Endorsement provides up to two hours of phone consultation with a legal professional to try to reduce your liability exposure before a claim is filed.
3Plan includes Security Clearance coverage (at no extra cost) to defend against any administrative proceedings to revoke an insured's security clearance.

For new hires employed less than three years with the federal government who have never purchased professional liability insurance, have no previous losses, who are GS-11 or less (or equivalent):

New Employee

CAREER BUILDER

$100/yr

$500,000 Liability Limit
Defense Coverage
$200,000 Administrative
$100,000 Criminal
Included in Administrative Coverage

For federal contractors/former federal employees, rates are as follows:

Coverage Amount
<$250,000 Annual Revenues
$250,000 to $500,000 Annual Revenues
$500,000
$700
$1,040
$1,000,000
$875
$1,335

Rates include a $50 administrative fee.

Exclusions

Exclusions for professional liability insurance for current federal employees include:

  • Any obligation for which the member or any carrier as his insurer may be held liable under any workers' compensation, unemployment compensation, disability benefits law, or other similar law.
  • Damage arising out of willful violation of a penal statute or penal ordinance committed by or with the knowledge or consent of the member, or damages arising out of acts of fraud committed by or actual intent to deceive or defraud.
  • Liability assumed by the member under any contract or agreement.
  • Bodily injury arising out of ownership, operation, or the use of any land motor vehicle designed for use principally on public highways, including any apparatus attached thereto, or any aircraft or watercraft.
  • Damage to property owned, occupied by, or rented to the United States Government or member, property used by the member, property in the care or control of the member, or as to which the member is for any purpose exercising physical contact (not applicable to property or persons in custody or property under lawful control.
  • Any liability for hazardous substances, including asbestos.
  • Bodily injury or property damage resulting from accidents caused by nuclear materials.

Exclusions for federal contractors/former federal employees include:

  • Bodily injury or property damage
  • Infringement of copyright;
  • Infringement of trademark, trade name, trade dress, service mark, service name, title or slogan;
  • Infringement of patent;
  • Unfair competition, restraint of trade, or any other violation of antitrust laws;
  • Unlawful discrimination, harassment or retaliation including that based on race, creed, color, religion, national origin, age, disability, sex, marital status or sexual orientation;
  • Gain, profit or advantage to which an insured is not legally entitled; and
  • Other exclusions may apply.

Additional Information

Starr Wright Risk Purchasing Group, LLC is the group policyholder of this professional liability insurance program. Starr Wright Risk Purchasing Group is a Washington, D.C., registered Risk Purchasing Group and limited liability company that makes available voluntary risk management products and services, other voluntary benefits, and educational services to federal employees. Starr Wright USA acts as the Starr Wright Risk Purchasing Group’s program administrator.

Need to report a claim?

Go to our Claims page to find out how to report your claim.

When might you need FEPLI?

Unfortunately, we live in a litigious society — a fact that holds true even for federal employees.

All federal supervisory personnel run the risk of being the subject of a complaint or EEOC claim. More importantly, these allegations must be defended—even if baseless or fraudulent. The consequences of losing such a case could be severe; an adverse finding could result in the loss of future promotional opportunities, demotion, or even discharge. That is why every federal employee should carry Federal Employee Professional Liability Insurance (FEPLI) to help protect against such scenarios.

The following are examples of times when FEPLI would be critical.

Sample Claim 1

A federal manager faced allegations of creating a hostile work environment by a disgruntled employee. The allegations were reported to the Department of Homeland Security’s Headquarters Anti-Harassment Unit (AHU). The AHU represents a venue for subordinates to advance charges of discrimination and retaliation against managers and coworkers. A fact-finding investigation was to be conducted by the AHU and they notified the federal manager.

Once the federal manager received notice, she filed a claim with Starr Wright USA. Starr Wright USA’s legal counsel reviewed the facts to develop a defense plan, prepared the federal manager for the interview process, and provided ongoing counseling.

Final Result: No Actionable Misconduct found during the fact finding investigation – Case Closed.

Total estimated out-of-pocket cost without Wright’s professional liability coverage: $9,500

Sample Claim 2

A federal manager is provided notice that she is the subject of an investigation by the Office of Inspector General for allegations of misconduct. The federal manager was tasked with filling a vacant position at the agency from a pool of four internal candidates. After the interview process was completed and her recommendation was made, two of the candidates not chosen for the position file complaints against the federal manager. Both allege discrimination; one due to race, the other due to age.

The federal manager contacts Starr Wright USA for assistance and files a claim. Starr Wright USA assigns a legal team that was able to demonstrate the qualifications of the successful applicant and prove the selected candidate was best suited to fill the vacant position. The federal manager was able to show that all the required steps were taken during the hiring process and that the most qualified applicant was selected based on his previous work experience at the agency.

As a result of Starr Wright USA’s legal team's efforts and defense strategy, the discrimination charges were dismissed. The federal manager paid no money out of pocket for her defense, which was covered by the insurer.

Federal Employee Paid: $0 for defense

Insurer Paid: $20,000 to defend the federal manager against both claimants

Sample Claim 3

A federal supervisor is notified by her agency’s Office of General Counsel (OGC) that she is the subject of an Office of Special Counsel (OSC) investigation for a complaint filed by a subordinate alleging whistleblower reprisal. The subordinate claims he has been demoted to another position within the agency and that his responsibilities have been reduced because of his whistle-blowing activity. The federal supervisor is notified that an interview will be conducted by telephone and will require 2 to 3 hours. The federal supervisor is provided a document explaining his role in the OSC investigation, which states the agency official may be subject to a disciplinary action if the OSC finds a prohibited personnel practice was committed.

The OGC advised the federal supervisor that they cannot provide representation in this matter so she exercised her right to retain personal legal representation and reported the claim to Starr Wright USA. Starr Wright USA assigned legal counsel to prepare the federal supervisor for the OSC investigation. Starr Wright USA’s attorney also provided guidance on how to prepare her written sworn statement. At the conclusion of the investigation it was determined that the federal supervisor had not committed a prohibited personnel act. The reassignment was not considered a demotion since there was no change in pay grade and the position offered greater opportunity for career advancement.

Total cost: $10,000

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