Property & Casualty Insurance

Designed specifically to meet the special insurance needs of emergency service organizations like yours, our General Liability coverage goes beyond a standard commercial policy, including:

• Emergency Services Liability (Occurrence or Claims Made basis) – covers such things as: directors and officers liability, employment-related practices liability, and employee benefits liability
• Fire and Rescue Service Liability – covers such things as, medical malpractice liability, emergency services errors and omissions, and dispatchers liability
• Pollution Liability and Corrective Action Costs

Offering Commercial or Government Crime coverage, we expand the definition of employee on our crime policy to include non-compensated officers, directors and board members, treasurers and tax collectors, as well as volunteer workers.

Business Automobile coverage is designed to protect your organization and its members from potential lawsuits arising from motor vehicle accidents and applies to your vehicles, as well as those of your members, while they are engaged in their duties for you. Available coverage options include:

• Liability Coverage including Hired and Non-Owned
• No Fault / Personal Injury Protection
• Medical Payments Coverage
• Uninsured/Underinsured Motorists Coverage
• Fellow Member Liability
• Injury to Volunteers
• Physical Damage Coverage (including Comprehensive and Collision)
• Full Glass Coverage
• Towing and Labor

The Emergency Apparatus coverage in our policy is designed to provide physical damage coverage for your emergency vehicles on an Agreed Value basis, with a scheduled limit of insurance selected by you. Numerous coverage enhancements are provided for additional exposures such as:

• Members’ Vehicles
• Substitute Apparatus
• Newly Acquired Apparatus
• Hired Apparatus
• Rental Reimbursement
• Towing and Labor
• Full Glass

Portable Equipment provides Guaranteed Replacement Cost coverage for property normally used away from your premises in the performance of your duties as an emergency services organization. This covers such things as turnout gear, defibrillator's, EMS kits, portable radios and pagers.

Our Umbrella/Excess Liability policy is designed to provide extra limits of insurance above the primary limits provided under our package policy. It also covers damages and any legal defense costs you incur if the coverage under the primary policies is exhausted.

Cyber liability claims are on the rise. If your organization has laptops, smart phones, cell phones, copiers, fax machines, stored patient and/or members’ personal information, flash drives, etc., you could experience a breach in security that could cost thousands of dollars to rectify. Our Cyber Liability coverage provides protection in five parts:

• Network Security Liability Coverage
• Privacy Violation Coverage
• Cyber Extortion Coverage
• Security Breach Notice Coverage
• Crisis Management Coverage