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IDRAs Professional Liability Insurance Plan provides up to $1 million of coverage for judgments arising from acts, errors or omissions committed by an individual within the scope of their employment. Protection is provided for judgments involving personal injury, bodily injury and property damage and against lawsuits that existed before the effective date of coverage provided that the insured member had no knowledge of such suits. An additional discovery period of 36 months is effective the day you retire.
Administrative legal defense coverage up to $100,000 is available to pay the costs of defense and monetary penalties during administrative proceedings for acts committed or alleged within the scope of the individual's employment. Coverage is provided for: Internal Agency Disciplinary Proceedings, Criminal Proceedings and Judicial Sanctions for any monetary penalty. This plan pays the individual's defense costs even against groundless or fraudulent suits. Benefits are paid without limitation for defense, require no deductibles, and where allowed by state law, will pay punitive damages.
MORE ON THE PROFESSIONAL LIABILITY PLAN
Imagine This . . .
Three IRS employees found themselves defendants in a lawsuit brought by an individual who was convicted of tax crimes. They were found guilty of leaking information regarding the investigation. The penalties ranged from $150,000 to $1,000,000 between the three of them. and...
A federal law enforcement officer pursuing a suspect on foot, and in the line of duty, accidentally runs into an innocent bystander. The person incurred several injuries and has decided to sue the officer for medical bills and lost wages due to missed work.
The reality is...
Lawsuits against federal employees are increasing at an alarming rate. Members of the public and even fellow workers can bring personal lawsuits against you. The Federal Government does not guarantee you coverage or even an attorney in the event you are sued.
You are at risk whenever you are acting within the scope of your job; including delegating assignments, evaluations, working at your desk or meeting with the public. Away from your desk, you could be exposed to an even greater risk of lawsuits from private citizens. Frivolous or not, this could still cost you thousands of dollars.
The Federal Tort Claims Act states that the government can choose whether or not to defend you and can choose not to cover any monetary damages levied against you personally as well.
Fortunately, a solution now exists...
"I truly believe that every federal employee needs this policy. Employees find themselves the subjects of proposals for discipline, subjects of Office of inspector General Complaints, EEO (discrimination complaints from fellow workers), and law suits from the public. Just yesterday, I defended an employee with 18 years of impeccable service who was removed from the government for failing to follow one instruction. She and a new boss butted heads for about 6 months and the new boss used one instance of failing to follow a vague instruction to remove the employee. Fortunately, the client had insurance and we were able to appeal the removal to the Merit Systems Protection Board. We had a hearing yesterday and got her job back last night. On her own, she could never have afforded to appeal the case and would be out on the street without a job."
Peter Noone, Esq.Avery, Dooley, Post and Avery
Boston, MA
The Justice Department Consulted in
Designing This Coverage
Our program was developed with the advice and consultation of attorneys in the Torts Claims Division of the Justice Department to provide the fullest protection possible for you as a federal employee. You should be confident knowing this professional liability policy was developed with the help of the Justice Department.
WHY WOULD I NEED THIS COVERAGE?
Our plan picks up the full cost of your legal defense and pays covered damages awarded against you (up to the selected policy limit), even if the Justice Department refuses to defend you.
IDRA offers an exclusive Professional Liability Insurance plan which was designed specifically to protect federal employees. You are protected anywhere in the world against losses from lawsuits stemming from the performance of your official federal duties.
WHAT ARE THE BENEFITS?
One million dollars of professional liability coverage for judgments arising from acts, errors or omissions committed by you while acting within the scope of your employment.
Protection against judgments involving personal injury, bodily injury and property damage within the scope of your employment.
Protection against lawsuits that existed before the effective date of coverage provided that you had no knowledge of the suits.
Even after you retire, there is a discovery period of 36 months in effect.
Up to $100,000 to pay the costs of defense and monetary penalties during administrative proceedings for acts committed or alleged within the scope of your employment. Coverage is provided for: Internal Agency Disciplinary Proceedings; Criminal Proceedings, and Judicial Sanctions for any monetary penalty.
This plan pays your defense costs even against groundless or fraudulent suits. These are in addition to your liability limit and are without limitation. There is no deductible and, where allowed by state law, pays punitive damages up to your coverage limit.
WHEN DOES COVERAGE BEGIN?
Coverage is effective the first day of the month following receipt of PFL enrollment form and check.
EXCLUSIONS
Coverage under this plan does not include:
Any obligation for which the insured or any carrier as his insurer may be held liable under any workers' compensation, unemployment compensation, disability benefits law, or other similar law.
Damages arising out of willful violation of a penal statute or penal ordinance committed by or with the knowledge or consent of the insured, or damages arising out of acts of fraud committed by or at the direction of the insured with affirmative dishonesty or actual intent to deceive or defraud.
Liability assumed by the insured under any contract or agreement.
Bodily injury arising out of the ownership, operation or the use of any land motor vehicle designed for use principally on public highways, including any machinery or apparatus attached thereto, or any aircraft or watercraft.
Property damage to: (a)Property owned, occupied by, or rented to the United States Government or insured; (b) Property used by the insured; and (c Property in the care or control of the insured or as to which the insured is for any purpose exercising physical contact (not applicable to property of persons in custody or property under lawful control).
Any liability for hazardous substances, including asbestos.
Bodily injury or property damage resulting from accidents caused by nuclear materials.
HOW DO I ENROLL?
To enroll under the Professional Liability Insurance Plan,
please call 1-877-405-4372; or download the PFL enrollment form.
PLAN ACCESS
All government employees who lives in the Washington, DC metropolitan area (within a 60 mile radius) must be an IDRA member to participate in IDRA-sponsored insurance plans. All other government employees do not have to join IDRA to participate.
Those who join the Basic Membership or participants who live outside the Washington, DC area will have a $3.00 semi-annual or a $5.00 annual processing fee added to each billing for the respective rates shown below.
This fee will be waived for anyone who enrolls in the Membership Plus program. Click here for complete information on all IDRA membership options.
To join IDRA, click here
Although every attempt has been made to verify the accuracy of the information contained on this website, errors and omissions may occur. Once your enrollment application has been received, you will be notified if any rates or coverage specifications have been changed. All enrollment applications are subject to the rates and coverage specifications currently in use on the day they are received.
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