Fire Department Insurance

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

Fire Department insurance by MBI Fire

Obtaining an insurance quote from us is straightforward and flexible. You can upload a PDF of your current policy and answer some questions, or fill out an application on our website. You also have the option to discuss available options through a virtual meeting with our experts. Whichever method you prefer, rest assured our team will provide personalized service and expert guidance in finding the right coverage at the right price. Contact us today and benefit from our customer-centric approach.

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.

Frequently asked questions

  • Advocate for you! – You might find this surprising, but it is essential to understand that insurance companies primarily aim to conserve their financial resources. As your representative, our primary commitment is to you, not the insurance carrier. This position allows us to adopt a more assertive approach in advocating for your interests.
  • 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 provides 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.

We do not recommend risk pools! If another member of the risk pool experiences a loss, departments that have not suffered any losses can be tasked with footing the bill in the form of increased premiums.

Still have questions?

If you cannot find an answer to your question in our FAQ, you can always contact us
and we will be with you shortly.