MOST CRITICAL COVERAGE OFFERINGS
General Liability
General Liability
Protects your district when third parties allege bodily injury, property damage, or negligence—covering everything from station visitors to on-scene operations, with limits aligned to sovereign immunity and public entity exposure.
Auto
General Liability
Covers your apparatus, ambulances, and support vehicles for accidents, injuries, and liability—built for emergency response driving, mutual aid use, and the realities of public roadway exposure.
Workers' Compensation
Provides medical care, wage replacement, and employer protection when firefighters or EMS personnel are injured on duty—designed for high-risk, high-frequency emergency service claims.
Portable Equipment
Portable Equipment
Protects portable and specialized equipment—radios, extrication tools, medical gear, and PPE—whether it’s in a vehicle, on scene, or temporarily off-site.
Employee Benefits
Portable Equipment
Employee Benefits
Supports recruitment, retention, and well-being through health, disability, and supplemental benefits—structured to fit small districts, volunteer operations, and budget-conscious boards.
Excess Liability
Portable Equipment
Employee Benefits
Adds an extra layer of protection above your primary policies—providing financial backstop when a severe claim threatens your limits, reputation, or public trust.