Find protection with fire department insurance so you can keep helping others.
We’ll handle the insurance so you can protect your community.
Fire departments undertake numerous responsibilities within their communities. These responsibilities encompass fire suppression, emergency medical response, and public education on fire safety. Given the diverse range of functions, it is essential to secure insurance that addresses the specific risks encountered. A general liability policy serves as an effective initial measure to safeguard your department.
Protect your portable equipment and vehicles.
Firefighters rely on their portable equipment to safeguard themselves and their communities against fires and various hazardous situations. An inland marine insurance policy could provide coverage for this equipment while they respond to emergencies. Additionally, your fire department requires specialized fleet insurance to protect all vehicles, ranging from large ladder trucks and fire engines to SUVs and brush trucks. It is essential that your fleet insurance policy includes more tailored coverage than standard insurance, as these vehicles frequently operate in perilous conditions and are susceptible to risks and damages.
Fighting fires is dangerous.
Firefighters are frequently regarded as heroes within their communities due to their willingness to enter burning structures to rescue lives, even at great personal risk. Workers’ compensation insurance offers protection for injuries and illnesses that occur while on duty. Should a firefighter sustain an injury while performing their duties, they will be eligible for coverage. This insurance not only safeguards the department but also ensures the well-being of the firefighters themselves. It is essential to note that coverage requirements can differ by location, making it crucial to secure the appropriate insurance.
Are volunteer firefighters and EMS covered?
It is essential to ensure that your policy adequately protects active volunteers within your fire department. This coverage should include provisions for medical expenses, compensation for loss of life or other injuries, and income protection in the event of disability.
Environmental impairment insurance is a surprising need.
Fire departments should be cognizant of various environmental pollution issues. Pollutants may emerge from emergency response operations, equipment cleaning, and training exercises. Addressing environmental claims can incur significant costs. Therefore, obtaining environmental impairment insurance could provide financial protection for your department in the event of an environmental damage claim.
Don’t forget other business insurance policies.
It is essential to obtain commercial property insurance for your firehouse. Additionally, in today’s digital landscape, your department should secure cyber liability insurance to safeguard against potential breaches of your computer network. Furthermore, it is advisable to evaluate general business coverages, including employment practices liability insurance, errors and omissions liability insurance (E&O), and directors and officers liability insurance (D&O). For further information regarding the significance of fire department insurance for your organization, please reach out to us.