US Federal Employee Professional Liability Insurance (FEPLI)
Keep Your Government Career Protected
Professional liability, often called Errors and Omissions coverage is vital in keeping your government career protected against charges of negligence, harassment, discrimination, and other legal charges that can be levied against federal employees operating without this insurance.
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Without a professional liability policy, you could be personally sued for up to millions of dollars in damages, depending on the situation and the type of government service you provide.
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Foreign Service Officers choose Clements for their insurance needs.
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Amount of US embassy associations insured by Clements.
Get Your FEPLI Reimbursement
FEPLI is so important for U.S. federal employees that Congress passed legislation requiring agencies to reimburse qualified employees up to 50% (up to $150) of the cost of professional liability insurance coverage. Access that reimbursement form here, for official business expenditures.
In today’s increasingly litigious landscape, any government employee can become the target of a lawsuit and the government may not always intervene. The only way to keep your career and your personal assets secure is by purchasing federal employee professional liability insurance.
You’ll be covered in the event of:
- Allegations of professional negligence
- Attempts to revoke your security clearance
- Baseless accusations of harassment, retaliation, or discrimination
- Liability arising out of acts, errors, or omissions under the Law Enforcement Officers Safety Act
- Your financial future and personal assets are protected from lawsuits
- Your policy provider can help you organize your legal defense if you are sued
FEPLI will give you the peace of mind you need to carry out your duties on the job more efficiently and effectively.
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Frequently Asked Questions About Federal Employee Professional Liability
For more information about Federal Employee Professional Liability Insurance, check out our FAQs below:
Who should purchase a FEPLI insurance policy?
If you provide any kind of service or give any kind of advice on behalf of the United States government, you should purchase a FEPLI policy. This includes task force officers, Public Health Service Commissioned Corps members, military police officers, federal court security officers, and Foreign Service Officers.
What risks do I assume if I choose not to get FEPLI?
If you choose not to get Federal Employee Professional Liability Insurance, you could be personally sued for hundreds of thousands, or possibly even millions of dollars if the service or advice you provide a client fails to meet their expectations, or results in real or perceived harm.
Will my FEPLI provider assist with my legal defense in the event of a lawsuit?
Yes, in the sense that your policy provider will be able to recommend competent legal defense, in addition to providing financial assistance with defense costs if you are sued. Defense coverage is $200k for administrative or criminal defense, which is separate from the liability limit of $2 million.
Do you offer global FEPLI coverage, or will my policy be restricted to the U.S.?
Yes, your FEPLI policy will provide international Professional Liability coverage, also referred to as E&O (Errors & Omissions) insurance.
Is Errors & Omissions insurance the same as Professional Liability insurance?
Yes, the two terms describe the same type of coverage and are often used interchangeably.
Will my policy cover me even if the claim being made against me is groundless?
Your FEPLI policy will provide coverage even if a baseless suit is brought against you.
Why Choose Clements?
Clements Worldwide has been providing custom-tailored international insurance solutions for nearly 75 years, in more than 170 countries.
Your FEPLI policy should always match your exact requirements. As experts in the field, we are here to make sure that happens. We carry a full suite of worldwide personal insurance solutions to meet all your insurance needs and have developed foreign service insurance options specifically designed for your missions abroad.
Protect your federal career, your personal assets, and your financial future today