Q & A

Who's Eligible?
Any full-time employee of the U.S. Federal Government who works at least 17.5 hours/week and is an AFGE member in good standing is eligible for CareerGuard—Your Preferred Professional Liability Insurance.

What are the Benefits?
With professional liability insurance, you get:

$1 million of insurance for judgments arising from acts or errors and omissions involving personal injury, bodily injury, or property damage while you are performing within the scope of your employment.

$100,000 (Option A) or $200,000 (Option B) for defense costs arising out of administrative proceedings.

Protection against lawsuits that existed before the effective date of coverage, provided that you had no knowledge of such suits.

Payment of $10,000 for accidental death while you are performing within the scope of your employment.

Reimbursement of 50% of your annual premium costs, if you qualify (ask your agency).

Additional coverage for law enforcement due to claims arising out of HR 218.

Course and Scope of Employment A determination of course and scope of employment will be made pursuant to the terms of this policy and will not be determined by any allegation, charge, or assessment of the employing agency, the Department of Justice, or other entity.

Can I Pay by Payroll Deduction?
Yes. Thousands of Federal employees enjoy this convenience.
Simply check the "Bi-Weekly Payroll Deduction" option on the enrollment form.

"An inmate filed a lawsuit against me, saying I had violated his rights by making him walk barefoot over a cold floor while I searched his cell. I had never heard anything so crazy, and figured it would never make it to court. But the suit did go to court, even though it was obviously frivolous. Good thing I had professional liability insurance. It paid the full cost of my defense."
John P., Prison Guard, age 27