Commercial Insurance ·
Federal Government
Federal Government Contractor Insurance
Specialized coverage for contractors navigating FAR insurance requirements, bonding mandates, and the full compliance demands of federal work, serving Pennsylvania and the Mid-Atlantic.
When a contract award is on the line, a policy that almost qualifies is not close enough.
Simpson | McCrady brings independent carrier advocacy and 100+ years of institutional relationships to federal contractors who need a broker that knows the regulatory terrain, not one that learns it after the fact.
Why This Requires Expertise
Federal Contracting Insurance Is Not Standard Commercial Coverage
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Federal government contracting creates a compliance environment that standard commercial insurance policies are not designed to address. The Federal Acquisition Regulation (FAR) imposes specific insurance minimums as a condition of contract award (including requirements for general liability, workers compensation, and in many cases professional liability and automobile coverage), and contracting officers will verify carrier acceptability before a contract is executed. A lapse, a non-admitted carrier, or a policy that does not meet the prescribed limits can disqualify a bid or trigger a cure notice on an active contract.
Beyond FAR insurance requirements, federal contractors face risk categories that compound in ways most commercial brokers do not encounter together: cyber liability tied to federal data handling standards such as CMMC and NIST SP 800-171, professional liability exposures inherent in cost-plus and time-and-materials contract vehicles, surety bond requirements on construction and service contracts, and the reputational and financial consequences of any coverage gap that surfaces during contracting officer review. Managing these exposures requires a broker who knows which carriers hold AM Best ratings acceptable to federal agencies, how to structure multi-line programs that satisfy FAR clauses without creating redundant premium spend, and how to respond with speed and authority when a contracting officer raises a coverage question mid-award.
This is the work Simpson | McCrady does for federal contractors across Pennsylvania and the Mid-Atlantic, not as a generalist commercial broker who occasionally handles government work, but as an advisor who understands the regulatory context in which every policy decision is made.
What We Cover
Coverage Built for the Federal Contracting Environment
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Our Approach
Independent Advocacy. Carrier Access. A Senior Advisor Who Knows Your Account.
Simpson | McCrady operates as an independent insurance broker, which means our obligation runs entirely to our clients, not to any carrier. For federal contractors, that independence is not a fine-print distinction. It is the difference between a broker who shops your program across the full market to find the right structure and a service center that routes your account to a preferred carrier and moves on to the next file.
We begin every federal contractor engagement with a detailed risk assessment that goes beyond standard application questions: reviewing your active contract vehicles, FAR clause requirements, subcontractor exposure, and any regulatory compliance obligations that shape your coverage structure. That analysis becomes the basis for a program recommendation built to satisfy contracting officers, protect your organization, and eliminate premium redundancy across your multi-line portfolio. You will not be explaining your contracting structure to someone unfamiliar with it.
Throughout the policy lifecycle, a senior advisor remains your point of contact, not a call center queue. When a contracting officer questions a certificate of insurance, when a bid requires a surety bond on a compressed timeline, or when a contract modification changes your coverage obligations mid-term, you reach someone who knows your account and can respond with the carrier access and credibility the situation demands. Simpson | McCrady has delivered this level of engagement to federal contractors across Pennsylvania and the Mid-Atlantic for more than 100 years. The account size that makes you a mid-market client at a national broker is the account size that gets senior attention here.
Firm Credentials
The Depth Behind Your Coverage
One straightforward conversation is all it takes to understand where your coverage stands, and where it should be. Protecting Tomorrow Today.
Prefer to call? 412-261-2222 · info@simpson-mccrady.com