Insurance for Emergency Service Organizations.
Insurance products for Emergency Service providers.
Emergency responders and their organizations play a vital role in our communities, and we are committed to protecting them so they can continue protecting others.
What is an Emergency Service Organization?
An Emergency Service Organization (ESO) is a public entity that provides critical services during emergencies to protect life, property, and public safety. These organizations include both career and volunteer fire departments, as well as Emergency Medical Services (EMS)/rescue squads.
Why do Emergency Service Organizations need insurance?
Our insurance programs help fire departments and emergency service organizations (ESOs) protect the various types of property they own and manage their unique liability risks.
What does our insurance program cover?
We offer a variety of insurance products to help meet the unique needs of ESOs, including:
- Property—helps protect facilities, grounds, machinery, equipment, furniture and personal items at the station.
- Auto—for damage to fire apparatus, ambulances, and other ESO vehicles, as well as financial protections for liability risks connected to auto-related incidents.
- Portable equipment—covers all of your ESO operations equipment, at the station, emergency scene or anywhere in between.
- General Liability—helps to financially protect the organization, employees and volunteer members from general operational risks, including Professional Healthcare Liability and Good Samaritan Acts Coverage.
- Management Liability—helps to financially protect the organization, employees and volunteer members from management-related risks beyond your general liability policy, including Employment-related Practices Coverage and coverage for wrongful acts allegations.
- Excess Liability—expands limits to Automobile Liability, General Liability and Management Liability.
- Accident & Sickness—Accident & Sickness provides benefits to emergency responders and their families to help lessen the financial impacts of potential accidents and sicknesses. This includes providing funds to the loved ones of fallen members and funds for members who are injured in the line of duty, including incidents of dismemberment or illness impairment.
- LOSAP—Similar to a retirement program, LOSAP offers a Length of Service Awards Program that is designed to help fire departments recruit, retain and reward volunteers by providing financial benefits based on years of service to their community.
- Group Term Life—provides life insurance benefits for fire service personnel, including volunteers, career members, retirees, auxiliary members, administration and board members. This includes 24-hour on and off-duty coverage—which is a crucial benefit for fire departments as, unfortunately, many firefighters suffer from heart attacks within hours of leaving an emergency scene.
- Critical Illness—Critical Illness product helps provide coverage for cancers and illnesses that are not addressed by traditional Accident & Sickness and Workers’ Compensation policies. This coverage includes financial benefits for members who suffer from heart attacks, strokes, kidney failure and cancer—and includes coverage for all members of an emergency service organization.
- Workers Compensation—Covers a variety of work-related injuries and illnesses, including medical treatment, wage replacement, permanent disability benefits and death benefits.
Kirk LeBlanc, AAI
Program Director
609-915-9060
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