Federal Manager Professional Liability Insurance
Media sensation, negative public impact, political agendas and disgruntled employees are just a few of the reasons federal managers should have liability insurance from FEDS Protection in place.
Federal managers are exposed to liability risks every day, based significantly on the decision-making nature of the job. Allegations such as discrimination, whistleblower reprisal, harassment, wrongful termination or creating a hostile work environment can lead to administrative investigations and disciplinary proceedings. Managers can also be exposed to civil suits and criminal investigations (due to alleged Title 18 violations). Defending yourself against these accusations can be time-consuming, stressful and costly. Even a seemingly minor issue can wind up costing thousands of dollars in legal fees, and many involve substantially higher sums- even if you are found innocent of any wrongdoing.
Professional Liability Insurance offered by FEDS Protection provides defense to federal managers accused of misconduct within the scope of their employment. Just like automobile, homeowners and health insurance, it offers peace of mind necessary in today’s litigious society.
What is Professional Liability Insurance and what does it cover?
As a federal manager, you can find yourself in a situation where you need to hire your own personal attorney - just for doing your job. Professional Liability Insurance provides you with legal representation and indemnity protection to protect you and your family from the risks and financial consequences of a claim or allegation made against you in the performance of your federal job duties.
FEDS PLI pays for legal defense up to $200,000 for any administrative investigation arising out of any act, error, or omission committed by a federal employee within his/her scope of employment. This includes OIG, OPR, OSC, RMO, Congressional, EEO, or any internal management investigation that could result in a personnel action against you. The FEDS policy provides an attorney throughout the investigation as well as disciplinary proceedings to defend both at the agency level and to the MSPB if necessary, including defense against allegations of harassment, discrimination, retaliation, whistleblower reprisal, and wrongful termination at no additional charge.
A FEDS policy will additionally pay up to $1,000,000 or $2,000,000 (depending on the policy limit you choose) in the event you are sued and found liable for a personal capacity lawsuit, as well as up to $100,000 for any criminal investigation or proceeding arising out of the course of your employment.
FEDS additionally provides attorney consultations for pre-complaint or other matters falling outside the scope of the policy’s liability protections at no additional cost.
Is Professional Liability coverage expensive?
Congress understands that as a manager, you need this protection and has mandated that all federal agencies are required to reimburse federal managers and supervisors for up to 50% of the cost of a PLI policy. This brings your cost down to just $145 annually for the FEDS Protection $1,000,000 policy. Payroll deduction is also available.
Why should I choose FEDS for my Professional Liability Insurance carrier?
FEDS is a veteran-owned, U.S. based company with benefits secured by a U.S. based A.M. Best ‘A’ rated insurance carrier and is set aside by its superior legal defense. FEDS President and Founder is a former federal attorney who has continually demonstrated his understanding of and commitment to the entire federal community. This translates into quality legal representation and counsel that you can expect as a FEDS member and is one of the main reasons the leading federal employee associations endorse FEDS.
The selected panel of law firms have over 30 years of specific experience in representing federal employees and have the expertise necessary to handle federal employment liability matters- especially important for managers facing harassment, discrimination, retaliation, whistle blower reprisal and wrongful termination allegations. Unlike similar policies, the FEDS policy includes this coverage automatically and does not charge additional premium or require you to purchase additional endorsements for Employment Practices Liability claims.
FEDS also offers a payroll deduction payment option in addition to standard payment methods; pro-rata refunds for members who retire or otherwise leave federal service; and no deductibles, administrative or other fees. This affordability along with a simple enrollment process, unmatched customer service and high caliber of legal defense make FEDS a worthwhile investment.
How do I enroll in PLI?
FEDS enrollment process is simple and can be done online at www.fedsprotection.com or over the phone at 866-955-FEDS in just 5 minutes.
The $145 annually you will pay for FEDS Protection is insubstantial in comparison to the potential financial losses you risk if a claim is made against you as an uninsured. Invest in your peace of mind and protect yourself FEDS Professional Liability Insurance today.
FEDS provides professional liability insurance for the entire federal management community. For information on your specific exposures, how professional liability insurance protects you, or how the FEDS program differs from other insurance programs, visit us at fedsprotection.com.
Posted in Manager Matters