Federal Employee Professional Liability Insurance
Protect Your Federal Career Today


About Federal Employee Professional Liability Insurance (FEPLI)

Accusations of inappropriate or irresponsible behavior aren't limited to workplaces in the private sector. In today's litigious society, federal employees (including military federal civilian employees) at all levels can also face allegations of misconduct and wrongdoing, even when acting within the scope of their federal employment. Starr Wright USA offers affordable federal liability insurance programs that will help you protect your assets in the event of an adverse judgment against you.

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. Our government liability insurance programs can mitigate your risk and safeguard your professional and financial future. You'll be able to execute your job duties with a higher degree of confidence.

Whether you are a current federal employee, a federal contractor, or a former federal employee, we have a unique Professional Liability Insurance program specifically designed for you. We will work with you to choose the right federal liability insurance coverage based on your current level of risk exposure, position, and budget.

FEPLI is so important, Congress enacted legislation requiring agencies to reimburse qualified employees up to 50% (up to $150) of the cost of Professional Liability Insurance coverage.

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Check your rates, view additional plan
information, and more on our FEPLI details page.

Benefit Highlights

 
 

Our federal professional liability insurance programs offer a host of valuable benefits for present and past employees, as well as contractors who perform work for the federal government. When combined with the affordable cost of our federal employee liability insurance coverage, you will experience an excellent return on your investment.

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.

  • 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.

Our staff of knowledgeable federal liability insurance experts will be happy to review all program features and benefits so you can make an informed decision. We can also help you select a plan that applies to your unique employee or contractor situation to prevent gaps in coverage that could increase your exposure to risk.


View sample FEPLI Master Policy here


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 $1.00 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.

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Federal Private Contractor or Consultant?
Don't worry, we've got you covered too!

Our Experience Providing Top-Notch
Federal Professional Liability Insurance

Experience is critical when choosing a federal employee liability insurance provider. The Starr Wright leadership team consists of capable professionals who have extensive backgrounds working for federal government entities and some of the top insurance industry organizations. Our stellar work over the years has enabled us to earn the endorsement of prestigious government agencies such as the Association of Former Intelligence Officers, the Federal Aviation Administration Managers Association, the U.S. Marshals Service Association, and the Alcohol, Tobacco, Firearms and Explosives Association. You can trust our federal employee liability insurance programs and the outstanding people that back them up.

Starr Wright has a proven track record of obtaining successful results for clients in a wide variety of federal employment positions. Our federal professional liability insurance has helped thousands of people just like you avoid costly out-of-pocket judgments that could have had devastating financial consequences. In many instances, our clients will pay nothing for their defense and can have their cases closed with no adverse action. What's more, our liability insurance for federal employees can help protect your reputation in the event of baseless allegations. Feel free to review several sample claims that illustrate how we can help you in your time of need.


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We've made the process of purchasing professional liability insurance for federal employees as simple as possible. You don't have to travel to an agency or engage in a lengthy phone conversation. You can complete the application process online from the comfort of your home or office at your convenience.

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)

While the multitude of liability risks faced by federal employees these days are real and pervasive, you can take an important step to limit your exposure. Protect yourself and your family by purchasing professional liability insurance for government employees from Starr Wright USA today.

Questions about our FEPLI Insurance Policies?

Below are some of our most frequently asked questions, or you can call us at 1.800.424.9801 for more information.

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 $277, $327, $345, or $395 per year plus admin fee 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 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.

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