Liability issues are everywhere and you never know what could cause someone to hit you with a lawsuit. Often times a person’s liability insurance for their auto or home is simply not enough. Federal Employee Umbrella Liability Insurance can protect you from serious liability issues that go beyond the liability limits of standard insurance policies.
As an extension of your auto or homeowners policy, Federal Employee Umbrella Liability Insurance kicks in when the liability coverage of your other auto and/or homeowners policies have been exhausted. At Starr Wright USA, our Federal Employee Umbrella Liability Insurance plans provides worldwide coverage for you and your family by paying claims that exceed the liability limits of your existing auto and/or homeowners policies. We have partnered with highly-rated carriers specializing in Umbrella Liability Insurance coverage to bring federal employees comprehensive, affordable policies.
If you are a full/part-time federal employee at a minimum pay grade of GS-11 (or equivalent), you can apply for Starr Wright USA’s traditional plans.
If your current pay grade is less than GS-11 or you are a former federal employee, you may obtain additional information about our Alternate Plan.
The purpose of umbrella insurance is to provide you and your family with an additional layer of personal liability protection. It's a safety net, as it becomes active once you've exhausted your underlying policy, such as for your home and automobile. It's critical to note that umbrella insurance for federal employees or civilians does not supplement your initial plans — you must have and maintain those to qualify for umbrella insurance.
While every policy varies, our umbrella liability insurance for federal employees offers assistance for the following events:
The above fields are broad, encompassing everything from an automobile accident to structural home damage. That's why it's called umbrella insurance, as it casts a net of coverage across an expansive area, ensuring the protection of you and your family's assets in case of a lawsuit, which can include demands for reparation reaching the hundreds of thousands, if not millions, of dollars.
The world, as well as your day-to-day life, are unpredictable. Insurance accounts for that, including umbrella insurance. If you have assets, such as a home, automobile or significant savings, federal employee umbrella insurance is often a smart investment because it provides additional coverage in the event of a catastrophic lawsuit that exhausts your existing policies.
It's difficult to imagine a catastrophic lawsuit affecting you. It can happen fast, however. Imagine the following scenario — you're driving on the interstate and suddenly find traffic at a standstill, rear-ending the vehicle in front of you. Following the accident, the driver issues a lawsuit that claims the incident caused permanent bodily injury. They request more than $500,000 in damages. While that amount will exhaust your automobile insurance, you can trust your federal employee umbrella liability insurance to assist.
While umbrella insurance is optional, the annual rates and liability limits of our umbrella insurance for federal employees make it a sound investment.
We incorporate several benefits into our umbrella liability insurance for federal employees, including:
As we remove the process of purchasing insurance through an intermediary, our umbrella insurance for federal employees also offers better value.
Our federal employee umbrella insurance policy provides several advantages, including:
Why do I need an Umbrella Liability policy? What's the benefit?
Most people believe Umbrella Liability Insurance is necessary only if you are wealthy and/or lead a "wild" lifestyle. However, accidents do happen. No matter how cautious you are, you could be sued because you injure someone or damage someone's property. Umbrella Liability Insurance protects your assets if you (or a household member) injure another person or damage someone's property. It's designed to protect you against a catastrophic lawsuit by providing expanded coverage and supplementing the basic liability coverage provided by your homeowners/renters and auto insurance policies. This protection is designed to "kick-in" when the liability coverage on your other policies has been exhausted. Consider these all-too-real claim examples below.
If I'm insured under a Professional Liability policy, do I still need this plan?
Your Professional Liability policy covers only allegations, lawsuits and judgments for acts, errors or omissions within the scope of your employment. The Starr Wright USA Umbrella Liability Insurance plan covers you and every member of your household against personal liability such as injuries or property damage for which you or they may be responsible. Consider these all-too-real claim examples below.
How much Umbrella Liability Insurance protection do I need?
It really depends on your assets and budget. Some experts suggest carrying at least enough Umbrella Liability Insurance coverage to protect your total net worth. If you're particularly successful or highly visible in your community, you may want to increase your coverage to the market value of your major assets, such as your home and investment portfolio, because you are more likely to be a target of a lawsuit and more likely to be hit with higher damage awards.
You probably need more Umbrella Liability Insurance than you think. A lot of factors determine the amount of coverage you need. Your financial status, lifestyle, and existing coverage are all relevant, but in liability lawsuits, judgments can, and often do, exceed net worth. For example, standard homeowners policies usually provide $100,000 to $300,000 worth of liability coverage, but in today's society it's not unusual to hear of $2 million, $10 million, and even $20 million liability judgments. If someone gets injured in your home, or if you cause a serious accident, you could be hit with such a judgment. Without an Umbrella Liability policy like Starr Wright USA offers, a large judgment against you could cost you all the assets you have now, as well as possible future earnings and inheritances.
Do I still need my automobile and homeowner policies?
Yes. Umbrella Liability Insurance is a supplement not a substitute for these policies. Since Umbrella Liability supplements your primary coverage, you must have personal liability insurance as is usually provided in homeowners, renters or condominium liability policies. You will also need to maintain required limits of primary insurance for autos, watercraft, or recreational vehicles you or your household members have. The minimum amounts for applicable coverages you must maintain are detailed in the Required Underlying Insurance Schedule directly below.
Automobile Accident – The insured crashed into the rear of a car on a slick highway. A woman and a child were critically injured. After two years of litigation, the insured settled the lawsuit for over $1 million. The insured had $3 million in umbrella coverage. The policy paid for the settlement and all legal costs.
Internet Blogger – The insured’s daughter hated math class and her teacher. The daughter made several “disparaging” remarks about her teacher online. The teacher sued the girl’s parents for personal injury and was awarded $750,000.
Faulty Furnace – The insured’s tenant claims she became sick from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and received a $750,000 settlement.
Coaching Circumstances – A female teenager destined for greatness as a softball player filed a $700,000 lawsuit against her former coach, alleging his “incorrect” teaching style ruined her chances for an athletic scholarship.
Falling Concrete – A hillside on the insured’s property was covered in concrete to prevent erosion prior to the insured’s purchase of the property. About 5 cubic feet of concrete fell into the neighboring property, knocking the claimant’s home from its foundation.
Paintball Misfortune – The insured permitted several of her children and their friends to play paintball in her backyard. The children had played paintball previously and were advised of all safety rules including wearing headgear at all times. A player removed her headgear and was leaving the field. She was hit in the eye resulting in a $475,000 settlement.
Beach Explosion – The insureds hosted a beach party for their daughter. One party-goer found what he thought was an empty, discarded propane tank. He threw the tank into a beach bonfire and it subsequently exploded severely injuring several guests. A $20,000,000 claim was filed alleging the insureds failed to properly supervise the party.
Rates shown above include surplus lines taxes and fees.
Note: Optional $1,000,000 Uninsured/Underinsured Motorists (UM/UIM) Coverage available in excess of required underlying limits for each plan level at an additional premium of $190 per policy year.
Starr Wright USA is pleased to offer an Alternate Umbrella Liability Insurance plan if your pay grade is less than GS-11 or if you are a former federal employee. This plan is currently NOT available to those residing in: Alaska, Georgia, Hawaii, New Hampshire, Louisiana, South Dakota, Vermont, and West Virginia.
To receive a quote for liability limits from $1,000,000 to $5,000,000 please download and complete the application above.
Required Underlying Insurance Limits:
*Primary Insurance carrier for Personal Auto or Home must be with an Admitted carrier with an A.M. Best Rating of B+ (VII) or higher. Click here to look up your carrier.
At Starr Wright USA, our history goes back decades, encompassing more than 100 years of service to federal employees by former federal staff. With our firsthand understanding of your needs, as well as the endorsement of several federal employee organizations, such as the Association of Former Intelligence Officers (AFIO) and Association of Federal Narcotics Agents (AFNA), we're your family's trusted provider for federal employee umbrella insurance.
Start your application for our umbrella insurance for federal employees today, or contact our experienced team for a consultation to learn more.
Disclaimer: Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All products and services may not be available in all states and may be subject to change without notice. CNA is a service mark registered with the United States Patent and Trademark Office. Any references to non-CNA Web sites are provided solely for convenience and CNA disclaims any responsibility with respect thereto.