Professional liability insurance protects professionals against potential negligence claims made against them. Common reasons alleged in making claims on these policies are inaccurate advice, misrepresentation, negligence, and violation of good faith and fair dealing. Such claims may be brought against individuals, in addition to the government, and the employee may not be represented by the government.

This liability insurance could protect you from potentially catastrophic litigation caused by charges of professional negligence or failure to perform your professional duties, including fire management decisions, law enforcement actions or personnel decisions.

Your plan choices are:

• $1,000,000 liability limit / defense coverage of $200,000 for administrative proceedings; $100,000 for criminal proceedings ($278 annual premium)

• $2,000,000 liability limit / defense coverage of $200,000 for administrative proceedings; $100,000 for criminal proceedings ($381 annual premium)

For $50 additional, you also may choose the Loss Prevention Helpline Service optional endorsement. This endorsement provides you up to two hours of phone consultation with a legal professional to try to reduce your liability exposure before a claim is filed.

Other plan highlights:

• The policy provides you with coverage for liabilities arising out of acts, errors and omissions that you commit as a federal employee.
• Up to $2 million to pay civil court judgments against you.
• Up to $200,000 in defense costs for federal government-initiated administrative proceedings and investigations.
• No deductibles.
• 36-month extended reporting period after you leave the federal government.

All federal agencies are required by law to reimburse qualified employees up to half (50%) of their annual premium for their coverage. View this document for specifics. Please check with your human resources office to determine what percentage of reimbursement you may be eligible for.

Wright USA has made a concerted effort to keep the online application process brief, so most fields on the application form require answers to help pick the best plan.

After you have completed the online application process, you will receive a printable receipt in addition to other documents associated with your policy. If you have questions during the application process, please call 800-424-9801 for assistance.

Here is the link for ANPR members only to apply for the 5% discounted plans through Wright USA: ANPR DISCOUNTED APPLICATION

The required promotion code was emailed to ANPR members on our e-list. If you don't have the code, contact fordedit@aol.com to receive it.

Please note that the code must not be shared with non-ANPR members. This negotiated discount is only for eligible ANPR members. Wright USA will verify your ANPR membership from our current database.