Federal Employee Professional Liability – Plan Details


  • Only full or part time Federal Civilian Employees (including Military Federal Civilian Employees) are eligible to apply for Wright USA’s Federal Employee Professional Liability Insurance (FEPLI) plans.
  • Regardless of which plan you choose, keep in mind all federal agencies are required by law to reimburse qualified employees up to half (50%) of their annual premium for their coverage.

  • If you buy Professional Liability Insurance from us before May 31, 2016 and sign up for annual recurring payments, you'll receive a $50 American Express gift card to use however and whenever you want. This offer applies to new buyers only.
  • If You Download the Application - Please Note: Your future 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). To sign up for EFT: download, complete, and return our EFT Form along with your completed application.

  • Please Note: All eligible particiapnts who apply and purchase a new policy between May 1, 2016 and May 31, 2016 and sign up for recurring annual payments will receive the promotional gift card. Only annual recurring payments will qualify for thsi promotion. This promotion is not available for Monthly, Quarterly, or Semi-Annual payment methods. All gift cards will be fulfilled and mailed by June 30, 2016.


  • 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.

Underwriting Company

Wright USA utilizes Ironshore, a leading global carrier, for its Federal Employee Professional Liability Insurance (FEPLI) coverages. Rated A (Excellent) by A.M. Best with a financial Size Category of Class XIV, Ironshore is authorized to transact business in all 50 states and the District of Columbia. For more information and a brief Ironshore Overview, click here.

Additional Information

Federal Employees Risk Management Association (FERMA), LLC is the group policyholder of this professional liability insurance program. FERMA is a Washington, D.C., registered association and limited liability company that makes available voluntary risk management products and services, other voluntary benefits, and educational services to federal employees. Wright USA acts as FERMA’s program administrator.