Fire Department Insurance
Protecting those who protect our communities.
Fire departments face risks that few other organizations encounter—from high-speed emergency responses to entering burning buildings. You need specialized coverage that understands the unique exposures of fire service. We work with carriers who specialize in emergency services insurance.
Get a Fire Department Insurance Quote
We'll review your department's operations and provide tailored coverage options
Fire & Emergency Services We Insure
Volunteer Fire Departments
Community-based volunteer fire and rescue
Paid Fire Departments
Professional full-time fire services
Combination Departments
Mixed paid and volunteer operations
Fire Districts
Special taxing districts for fire protection
EMS/Rescue Squads
Emergency medical and rescue operations
Fire Companies
Independent fire companies and associations
Coverage Options for Fire Departments
Station Property Coverage
EssentialReplacement cost coverage for your fire station building, contents, and real property. Includes earthquake and flood coverage, commandeered property protection, and deductible reimbursement when members' property is damaged during emergency operations.
Learn more about station property coveragePortable Equipment
EssentialGuaranteed replacement cost for SCBA gear, thermal imaging cameras, extrication tools, drones, hoses, and members' personal effects. Covers watercraft, trailers for transporting equipment, and offers deductible waiver options.
Learn more about portable equipmentApparatus & Vehicle Coverage
EssentialAgreed value physical damage protection for fire trucks, pumpers, ladder trucks, tankers, ambulances, and rescue vehicles. Includes liability, fellow member liability, garagekeeper coverage, and customized vehicle extensions.
Learn more about apparatus & vehicle coverageGeneral Liability
EssentialProtects volunteers and employees acting on behalf of the department. Includes professional healthcare liability for EMS, Good Samaritan acts coverage, fellow member liability, and liquor liability for fundraising events.
Learn more about general liabilityManagement Liability
EssentialProtects department leadership with employment practices coverage, D&O liability for wrongful acts allegations, excess outside directorship coverage, and cyber liability with privacy crisis management.
Learn more about management liabilityVolunteer Accident Coverage
EssentialDeath benefits, disability coverage, and medical expense reimbursement for volunteers injured in the line of duty or during training.
Learn more about volunteer accident coverageExcess Liability
Umbrella coverage over automobile, general, and management liability. Available up to $10,000,000 in additional protection for catastrophic claims.
Learn more about excess liabilityWhat We'll Need to Know
To provide accurate quotes for fire departments, carriers typically ask about:
Real-World Claims Examples
Understanding how fire department coverage works when you need it:
Apparatus Collision Responding to Call
A fire engine is struck by a vehicle that ran a red light while responding to a structure fire. Apparatus coverage pays for vehicle repairs while emergency response liability handles any injury claims.
Firefighter Injury During Training
A volunteer firefighter breaks an ankle during a live burn training exercise. Volunteer accident coverage pays medical expenses and provides disability benefits during recovery.
Property Damage at Fire Scene
During an aggressive interior attack, firefighters damage expensive equipment in an adjacent undamaged room. Emergency response liability covers the property damage claim.
Equipment Theft
Thieves break into the station overnight and steal rescue tools, portable radios, and thermal imaging cameras. Equipment coverage replaces the stolen items.
Fundraiser Injury
A community member trips and falls at the annual pancake breakfast fundraiser. General liability covers their medical expenses and potential lawsuit.
Let's Protect Your Department
Fire department insurance requires specialized expertise. Let's discuss your department's needs and find coverage that protects your apparatus, equipment, and members.
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We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV