Provides Guaranteed Replacement Cost coverage for your Real Property (buildings) and Personal Property. Our comprehensive program also provides protection for a wide range of additional property exposures, including:
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:
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:
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:
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: