LEOSA Self-Defense Plan

About Our LEOSA Self-Defense Plan

Starr Wright USA has partnered with the Public Servants Defense Agency (PSDA) to provide insurance coverage for Former Federal Employees entitled to carry a firearm under the Law Enforcement Officers Safety Act (LEOSA).

The Law Enforcement Officers Safety Act (LEOSA), enacted in 2004, is also referred to as H.R. 218. This regulation enables two classes of persons – active and retired law enforcement officers – to carry concealed firearms in any jurisdiction of the U.S. Click here for more information.

While LEOSA grants these individuals the right to carry weapons to protect themselves and their families, it does not address any potential criminal or civil liability resulting from their use. Even if the retired law enforcement officer is ultimately absolved of liability, he or she can experience significant legal costs along the way, which can have severe financial implications. Consequently, this creates the need for law enforcement self-defense liability insurance coverage.

Law enforcement self-defense insurance from Starr Wright USA can provide the comprehensive liability protection you need. Our plans cover bodily injury or property damage resulting from a lawful act of self-defense while using a concealed firearm, as well as the defense of a spouse or dependent. A LEOSA insurance policy can give you the peace of mind of knowing you can safeguard your assets and protect your financial future.

Our self-defense shooting insurance for law enforcement offers an affordable protection solution. Premiums start as low as $250 per year for a $100,000 policy limit. A $250,000 liability limit option is also available. Our plans also provide coverage for costs incurred for your legal defense, which can substantially reduce your out-of-pocket expenses.

What are the plan eligibility requirements?

As a Former Federal Employee entitled to carry a firearm under LEOSA, to qualify for the LEOSA Defense Plan, you must have:

  • 10 or more years service within a law enforcement agency; and
  • Proof (via Photographic ID issued by your previous Agency or certification) that you have met the active duty standards for firearms training established by the Agency within the previous 12 months.

Why do you need the LEOSA Self-Defense Plan?

Under LEOSA, eligible retired law enforcement officers, including Federal Law Enforcement Officers (FLEOs) are legally entitled to possess a firearm for self-defense. However,

  • Most homeowners insurance policies specifically exclude losses resulting from the use of a firearm – regardless of circumstances;
  • You would be financially liable for any legal costs or judgments resulting from the use of your firearm(s);
  • The average cost of defending a civil action is more than $40,000.

It is also true that incidents that may require currently employed or retired law enforcement officers to use a weapon to protect themselves are on the rise. According to a study conducted by Florida State University, there are approximately 2.5 million defensive gun uses in the United States each year. A USA Today article points out that the number of justifiable homicides is also increasing. Thus, there is a higher likelihood that you may need to use a concealed weapon to defend yourself — which also increases your criminal and civil liability exposure.

Without a LEOSA self-defense insurance policy, you could lose everything you've worked so hard for during your years of service — your home, your pension and your life savings. Purchasing a policy is a prudent financial decision that will also allow you to carry your weapon with greater confidence — you'll have fewer worries about using it to protect yourself or your family should the need arise.

How can you protect your rights - and your assets?

Starr Wright USA's partnership with PSDA provides affordable, comprehensive insurance from Lloyd's of London to protect you if you are subjected to legal action due to the use of a gun for self-defense. Learn how.

  • Policy provides for both legal defense and indemnity protection.
  • Expert legal counsel provided in the event a civil action is brought against you as a result of your use of a firearm in self-defense.
  • Reimbursement of legal defense expenses (subject to a sub-limit) in the event criminal charges are brought against you. A portion of those funds are provided in advance to assist in retaining counsel.
  • Low policy deductible.

Click here to see a specimen copy of the policy form.

What is the Public Servants Defense Agency (PSDA)?

The Public Servants Defense Agency (PSDA) specializes in providing insurance coverages designed to address the unique liability exposures facing both active and retired police, firefighters, and EMTs.  PSDA’s offerings provide expert defense and indemnity protection against administrative, criminal, or civil actions brought against our first responders.

The agency’s portfolio of professional liability products are underwritten through Certain Underwriters at Lloyd's, London.  Lloyd's is an internationally recognized insurance carrier that consistently receives high ratings for its financial stability.

Starr Wright USA has partnered with PSDA to offer a comprehensive, competitively priced LEOSA product for former Law Enforcement employees of the Federal Government.

Contact PSDA:
4001 Miller Road
Wilmington, DE 19802
Tel: 888-304-1201
Fax: 302-765-6037

Applying for a LEOSA Insurance Policy Is Fast, Easy and Secure

You can apply for your LEOSA self-defense insurance policy online right now in just a few minutes. We've designed our streamlined application form to save time and hassles. We've also built in an assortment of security features to safeguard your personal information. Click the Apply Online Now button below to get started.

Protect yourself and your family from liability that can result from a self-defense shooting. Purchase a comprehensive self-defense insurance policy for law enforcement officers from Starr Wright USA today.

Apply Online Now

Or download, complete, and return the signed application to the plan administrator at the address listed on the form.

Please Note: Your future Starr Wright USA premiums can be paid automatically from your account at your financial institution on a Monthly, Quarterly, or Annual basis through Electronic Funds Transfer (EFT).