American Foreign Service Association
Liability Insurance Plan
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Why do you need this insurance?
Simply put, because without it, you probably don't have the coverage you actually need. Remember, the Westfall (Federal Employees Liability Reform and Tort Compensation) Act covers you if it is decided that you were acting within the scope of your employment or it is in the interest of the United States government to defend you. While the federal government can choose whether or not to defend you, it cannot cover monetary damages. Furthermore, regulatory changes now mean employees may be held personally accountable for actions taken while on the job.
In addition to being the lowest cost coverage you can find, this insurance
boasts a number of attractive features: a high rated carrier (A); coverage
for prior acts (unless you have foreknowledge
that a claim may arise); worldwide
coverage; and a four year discovery period. Moreover, this coverage includes
all related defense costs.
What about Administrative Defense Protection?
More and more people these days seem to be invited to appear before Congressional
Investigative Subcommittee Meetings or summoned before special investigative
staff councils, in addition to such things as agency disciplinary actions or
accountability boards. Administrative Defense Coverage helps address these
What is covered?
Wrongful acts, errors or omissions committed or arising within the scope of
your service as an employee of the United States Government, such as:
- Bodily injury
- Property damage
without appropriate authority
of Omnibus Diplomatic Security and Anti-terrorism Act
- Related Defense costs are included as part of your Liability coverage
Administrative Legal Defense:
We will provide counsel and the cost of defense
and monetary penalties arising out of any disciplinary proceeding, for
any act, error or omission in professional
services rendered or which should have been rendered in your capacity as
an employee of the United States Government. Of course, we will
not be liable for defense costs or fines if the final disposition determines
that the act, error or omission was criminal.
Four Year Discovery Period:
Coverage extends after expiration of your policy
for a full four years for acts committed or alleged to have been committed
prior to expiration as long
as your policy is not cancelled for non-payment of premium.
Acts prior to policy inception, from your first day of service in the federal
government, are also covered as long as you had no knowledge, prior to signing
the application, of any claim or action, error or omission which might result
in a claim or action.
What is not covered?
- Workers Compensation
- Willful violation of the law or acts of
- Automobile, watercraft, aircraft liability
- Nuclear energy liability
- Damage to property owned or occupied by
you or in your care, custody, or control
- Liability assumed under any contract or
- Prior acts while not in the full-time
employment of the United States Government or if you have foreknowledge
that a claim may arise
Your coverage will go into effect on the first day of the month following receipt of completed and signed application. All certificates are issued for a period of one year. The chart below shows the premiums for each coverage option.
If you prefer, print out and complete the enrollment
sign and date the form, and mail with check (payable to The Hirshorn Company)
AFSA Desk - The Hirshorn Company
14 East Highland Avenue
Philadelphia, PA 19118
For more information, please use our online
request form or download the brochure.
What about Reimbursement?
The State Department encourages the purchase of this policy. The State Department has a policy in place to reimburse certain employees for up to 50%, or $175, whichever is less, of the cost of professional liability insurance.
Going Overseas or having visitors coming from overseas?
Click here for International Term Life Insurance if you live overseas.
Click here for International Major Medical if you live overseas or travel overseas extensively.
Click here for International Travel Insurance for short term medical, accident, medical evacuation and repatriation, trip interruption and lost baggage insurance, along with international travel assistance.