Fire Department Insurance

In addition to providing insurance, our company specializes in finding creative long-term funding solutions for the volunteer fire departments we serve. We understand that these departments often struggle with limited budgets and resources, and we strive to support them in any way we can. From identifying grant opportunities to helping with fundraising campaigns and more, our team is dedicated to finding sustainable funding solutions that will help these departments thrive well into the future. When you partner with us, you can rest assured that we will take a comprehensive approach to support your department and meet its unique needs.

Do you need insurance for your fire department? We do that, but first, we’ll need to learn about your organization. Schedule a meeting through our Contact Us page.

We understand that shopping for insurance can be a hassle, and that’s why we offer multiple convenient ways to obtain an insurance quote. The process is simple: you can upload a PDF copy of your current policy, along with additional information that we provide in a set of questions. Our experienced agents will then review your policy details and additional answers, and provide you with an accurate quote that meets your needs. Alternatively, you can fill out an application form directly on our website. Our clients can also schedule a virtual meeting with our experts to discuss the available options. No matter which method you choose, our company is dedicated to providing personalized service and expert guidance to help you find the right coverage at a competitive price. So why wait? Get in touch today to experience the benefits of our customer-centric approach to insurance!

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Frequently asked questions

Expert Guidance – Our insurance brokers have extensive knowledge and experience in the fire service, which they can use to guide you toward the right coverage for your department’s needs.
Choice & Options – Insurance brokers work with many different carriers, like VFIS, Provident Fire Plus, Travelers, and Emergency Services Insurance Program. This enables us to provide you with more options than any one single carrier could offer.
Cost Savings – Working with an insurance broker often results in lower premiums, as brokers help you shop around for the best deals on coverage.
Personalized Service – An insurance broker will get to know you and understand your specific needs, enabling them to provide tailored advice and service that meets your unique requirements. When was the last time your insurance professional attended a commissioners meeting?

General Liability – This covers any bodily injury or property damage caused by the fire department while they are operating.
Property Insurance – This covers any loss or damage to the building and equipment of the fire department that is due to a covered event, such as a storm or an accident.
Auto Insurance – This covers any damage caused to vehicles owned or operated by the fire department, as well as liability for injuries that may occur during their use.
Workers’ Compensation – Any volunteers who are injured while performing duties related to the fire department should be covered under workers’ compensation insurance.
Umbrella Coverage – Umbrella coverage provides additional protection for all other types of insurance carried by the organization, in case additional liabilities arise from a claim.

Accident and health insurance for firefighters provide coverage for any medical expenses or lost wages that may result from an injury sustained while on the job. This type of insurance can help firefighters and their families financially in the event of an unexpected illness or accident. Generally, it covers hospital bills, doctor visits, and other necessary costs related to an injury.

If another member of the risk pool experiences a loss, it may result in an increase in premiums for all members. Risk pools are structured to spread losses among those who have signed up for coverage, so if someone else has a significant loss, other members will be responsible for covering part of that loss through higher premiums.

Still have questions?

If you cannot find an answer to your question in our FAQ, you can always contact us
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