Supplemental Insurance Policies

Supplemental Insurance Policies available to APSA Red Members:

Accident Insurance

Carrier: Colonial Life
Cost: Cost varies based on location and personal risk factors.

Accident Insurance provides a benefit for a range of accidental injuries. 

Accidental Discharge Insurance / Law Enforcement Legal Defense

Carrier: Professional Law Enforcement Association (PLEA)

Cost: $190 - $229 per year

The PLEA Law Enforcement Legal Defense provides legal protection and support for duty-related incidents for law enforcement officers and peace officers. Protection covers duty related civil lawsuits, criminal charges, and administrative incidents while protecting and serving the public. Coverage also includes concealed firearm protection and accidental death coverage. Many police officers and other peace officers like parole officers, sheriff’s deputies, security guards, and others whose professions require them to carry a weapon elect this kind of coverage. Learn more here.

Dental Insurance

Carrier: Colonial Life

Cost: Cost varies based on personal risk factors.

Dental insurance provides benefits for a variety of procedures, from routine cleanings to more advanced procedures. 

Endowment at Age 100 Life Insurance

Carrier: Colonial Life

Cost: Cost varies vary based age and personal risk factors.

Endowment at age 100 life insurance provides financial protection during your working years or into retirement to help protect your family’s way of life in the event of your death. 

Term Life Insurance

Carrier: Colonial Life

Cost: Cost varies  based on location and personal risk factors.

Term life insurance is a kind of life insurance policy that is offered at a fixed rate and offers a more predictable way to provide more life coverage at more affordable prices during high-need years. 

Professional Liability – All Professions Other Than Teachers

Carriers: Top rated professional liability companies (including, but not limited to: Hartford, Travelers, Chubb, Philadelphia, Utica National)

Details: Cost and specific carrier varies based on occupation, personal risk factors, and location.

APSA Red Members who elect to enroll in a professional liability policy will have a policy built specifically for them based on their unique risks and needs. You are welcome to request a quote for a policy without an obligation to commit to that policy.

Professional liability insurance, sometimes called errors and omissions insurance, is a form of liability insurance that generally protects professionals who provide services, advice, or consulting from negligence claims. Professional liability insurance coverage bears a portion of the cost of defending one’s self from claims related to an error or an alleged failure to perform completely or competently one’s service, advice, or consulting. Professions like educators, healthcare professionals, and many trades often carry professional liability insurance. This kind of coverage does not cover criminal prosecution.

Professional Liability – Teachers

Carrier: Houston Specialty Insurance

Details: $1 Million per claim, $1 Million aggregate; $2500 retention per claim

Cost: $50 per year

Professional liability insurance, sometimes called errors and omissions insurance, is a form of liability insurance that generally protects professionals who provide services, advice, or consulting from negligence claims. Professional liability insurance coverage bears a portion of the cost of defending one’s self from claims related to an error or an alleged failure to perform completely or competently one’s service, advice, or consulting.

Property and Casualty Insurance

Carriers: Top-tier property and casualty insurance companies (including, but not limited to: Farmers, Travelers, AIG)

Details: Cost and specific carrier will vary based on occupation, personal risk factors, and location

Property and casualty insurance offers a broad range of coverage for your home, property, vehicle, and the people in and around these. Many people have this kind of insurance for their home or apartment, their car, or other property. This policy allows an individual to bundle all these policies.

APSA Red Members who elect to enroll in a professional liability policy will have a policy built specifically for them based on their unique risks and needs. You are welcome to request a quote for a policy without an obligation to commit to that policy.

Specified Disease Insurance (General or For Cancer)

Carrier: Colonial Life

Cost: Cost varies based on location and personal risk factors.

Specified disease insurance (General or For Cancer) helps offset the out-of-pocket medical and indirect non-medical expenses related to a serious illness.