Reply to PROFESSIONAL LIABILITY INSURANCE?

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[quote=Anonymous]My husband is a new employee at DHS.  His new work peers have advised him to get Professional Liability Insurance.  Apparently, DHS will pay 50% of the premium for it.  However, it seems 100% of the cost is related to damages while working.  I put the definition below, straight from their handbook.  It seems to me that they are trying to force liability on the employee. I know government insurance is always the last payer if any other insurance exists. Thoughts on this?  Why would an employee need this? He's not in security - he's in disaster management. It seems ridiculous to me that he should need additional insurance to work as a federal employee.

Professional Liability Insurance: A type of insurance that provides coverage for:
A. Legal liability for damages due to injuries to other persons, damage to their property, or other damage or loss to such other persons (including expenses of litigation and settlement) resulting from or arising out of any tortuous act, error or omission of the covered individual (whether common law, statutory, or constitutional) while in the performance of such individual's official duties as a qualified employee; and,
B. The cost of legal representation for the covered individual in connection with any administrative or judicial proceeding (including any investigation or disciplinary proceeding) relating to any act, error, or omission of the covered individual while in the performance of such individual's official duties as a qualified employee, and other legal costs and fees relating to any such administrative or judicial proceeding.
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