Fire Department Insurance

Your fire department is a center for heroes giving their all to help their communities, but it isn’t without risk. Fire departments face unique circumstances that many other organizations and businesses don’t, including the dangerous situations they encounter. You need insurance to protect your fire department while you’re busy protecting the community.
 

Specialized fire department insurance so you can protect your community.

Fire departments perform a variety of jobs in their communities. For example, this includes suppressing fires, responding to emergency medical situations, and educating the public on fire safety. With so many different functions, you’ll want insurance to cover all of the unique risks you face. For instance, a general liability policy is a good start to begin protecting your department.

Protect your portable equipment and vehicles.

Your firefighters depend on their portable equipment to protect themselves and their communities from fires and other dangerous situations. An inland marine insurance policy will help cover your equipment while responding to the latest emergency. Fire departments also need specialized fleet insurance to cover all of its vehicles, from the large ladder trucks and fire engines down to the SUVs and brush trucks. Your fleet insurance policy needs to offer more specific coverage than typical insurance since your vehicles are often in dangerous situations and are prone to risk and damage.

Fighting fires is dangerous.

There’s a reason firefighters are often considered heroes by their communities. It’s because they’ll run into a burning building to save lives despite the risk to themselves. Workers’ compensation insurance provides coverage for injuries and illnesses sustained on the job. If they get hurt on the job, they will be covered. It’s not only protection for your department, it’s protection for your firefighters. Coverage requirements may vary by locale, however, so it’s important to have the proper coverage in place.