Montana Fire Department Insurance Policy Information
Montana Fire Department Insurance. A fire department may be in charge of one or multiple fire stations - which are staffed by firefighters and paramedics, also known as EMTs or emergency medical technicians. Aided by fire engines, fire trucks, and ambulances, these brave professionals are quite literally in the business of heading straight for danger, in order to save others from it.
Fire departments respond to requests for emergency assistance due to a fire, accident, or health crisis within their community. Some fire departments are paid; volunteers staff others. They are funded by tax dollars, donations, or a combination of both.
Fire departments are headquartered in firehouses, which generally include an office, garage, and repair area for vehicles and equipment. There may be meeting rooms for training and community events. If firefighters are paid, there will be a kitchen and sleeping facilities as they will staff the firehouse 24 hours a day, seven days a week.
Some fire departments provide ancillary community services such as inspecting residential smoke alarms or presenting talks about fire safety to civic and school groups.
While fire departments typically operate under the umbrella of public service, private and commercially-run fire houses have also started to emerge in more recent times.
Fire departments play an essential role in public safety, and in doing so, they face a multitude of risks, despite grueling training and state-of-the-art protective equipment.
This is just one reason why it is crucial for MT fire departments to carry proper insurance. What kinds of Montana fire department insurance coverage might a fire station need? Discover more by reading on.
Montana fire department insurance protects fire stations from lawsuits with rates as low as $129/mo. Get a fast quote and your certificate of insurance now.
Why Do MT Fire Departments Need Insurance?
While no organization can ever be completely free from risk, fire departments are routinely confronted by hazards as part of their daily activities.
It will not surprise anybody that firefighters, in particular, have a high risk of suffering occupational injuries such as burns, as well as that they develop exposure-related cancers in much higher numbers than the general population.
In these instances, fire departments shoulder the often considerable cost of the resulting medical expenses. Fire trucks, engines, and ambulances may also become damaged over the course of the working day, requiring immediate repair or replacement.
In addition to these industry-specific hazards, fire departments can still be confronted by the same perils that may impact any residence, business, or public entity.
Theft and vandalism can cause significant property damage, for example, while the acts of nature - earthquakes, wildfires, serious floods and storms, and others - that fire departments play a role in rescuing others from may also cause monumental damage to fire department buildings.
Those people who work in MT fire stations are more intimately familiar than most with the fact that no preventative measure can stop disaster from striking.
Carrying the right Montana fire department insurance protects fire departments by serving their financial interest after the latest challenge, making it vital not only for liability reasons, but also for public safety.
What Type Of Insurance Do Montana Fire Departments Need?
Fire department buildings need to equip themselves with a range of insurance policies. The exact nature of a fire department's insurance needs depend on factors that include the jurisdiction, the types of vehicles used, and the number of employees and their job description.
Because obtaining the insurance coverage that best protect a fire department from the financial fallout of major perils can be extremely challenging, it is vital to partner with an insurance broker who specializes in crafting insurance plans for public entities with high risk profiles.
Having said that, some examples of important Montana fire department insurance are:
- Commercial Property - Should the fire department building be struck by the same types of perils firefighters generally rescue others from, such as acts of nature, intentionally-set fires, or other accidents, property insurance covers a significant portion of the costs associated with the resulting damage.
- General Liability - This type of insurance covers the legal expenses associated with third party bodily injury or property damage claims, such as a situation in which a member of the public is injured on fire house premises. Excess liability insurance, which helps cover costs that stretch beyond those covered by general liability insurance, may also be considered.
- Workers' Compensation - Firefighters and EMTs can suffer both acute occupational injuries, such as burns or broken bones, and be diagnosed with occupational illnesses resulting from, for example, smoke inhalation. Workers' compensation insurance covers the medical costs of employees injured on the job, as well as lost wages if they are not able to return to work. In the worst cases, workers' compensation insurance additionally covers death benefits.
- Mobile Equipment - This type of Montana fire department insurance applies to mobile equipment too large to be classified as a motor vehicle - such as fire trucks and engines.
- Business Auto - Fire departments will additionally require auto insurance to cover their smaller vehicles.
Bear in mind that fire departments may require additional forms of insurance beyond those covered within this list - your insurance needs depend on your unique situation.
For the best possible protection and the peace of mind it affords, fire houses should obtain their Montana fire department insurance from an insurer who is deeply committed to the public sector.
MT Fire Department's Risks & Exposures
Premises liability exposure is moderate if visitors are allowed or tours are given. Fire trucks, ambulances, and equipment normally kept on the premises pose an attractive nuisance exposure, particularly to children. If community events are conducted on the premises, there should be adequate supervision of all visitors.
To prevent trips, slips, and falls, housekeeping must be excellent. Adequate lighting, marked exits, and egress are mandatory. Steps must have handrails, be well lit, marked, and in good maintenance and repair.
Off-premises exposures can be substantial as crowds may be drawn to an emergency site. Hoses, ladders and other firefighting equipment placed on the ground can result in slips or falls. The area should be secured in order to prevent public access to the site of operations.
While firefighting activities often benefit from immunity laws, activities that are not directly related to firefighting will not qualify for that immunity in many jurisdictions. Personal injury losses may occur due to alleged wrongful detention, invasion of privacy, or discrimination.
Workers compensation exposure is severe from both a frequency and severity standpoint. Firefighters must be thoroughly trained with a continuing education program in place. Injuries can occur due to burns, back injuries, strains or sprains from lifting, asphyxiation, skin or lung irritants, explosions, slips, falls, and hearing impairment from loud sirens and alarms.
Temperature extremes, both from heat and cold, can result in disorientation from fatigue. Exposure to asbestos, building collapses, communicable diseases, lead dust, or toxic chemicals are possible. It is important that gear is kept clean and free of dust and soot. Protective equipment is required.
Animals or unruly passers-by may attack firefighters at emergency sites. Traveling to an emergency situation can result in collisions or overturns, especially when traveling at high speeds or during adverse road conditions.
Firefighters encounter a lot of stress in their jobs, from waiting for emergency calls to the injuries and deaths they routinely witness firsthand. The accumulation of these experiences can result in cumulative post-traumatic stress disorder (PTSD).
Property exposure is low, with ignition sources limited to electrical wiring, laundry, heating, and air conditioning equipment. Wiring must be well maintained and up to code. Any cooking must be done under a hood or in the oven.
Garages for storing, fueling, and maintaining vehicles and equipment must be separated from office facilities. Smoking should be prohibited, especially in the sleeping areas. Firefighters or dispatchers occupy the building most of the time. When they leave to make a run, the building should be secured against unauthorized access.
Crime exposure is from employee dishonesty. Background checks should be performed on all employees handling money.
Inland marine exposure is from computers, mobile equipment, and valuable papers and records for information about emergency responses and suppliers. There may be accounts receivable if the fire department bills residents, businesses, or insurers for emergency services after an event.
Fire-fighting equipment on the trucks includes telecommunication devices, hoses, breathing equipment and more. They should be stored on the truck and monitored to prevent theft. Equipment should be tested and evaluated regularly. If the building is used for community purposes such as bingo, dinners, or elections, bailees coverage should be considered for items stored for others.
Duplicates of all records should be kept off site for easy restoration in the event of a loss.
Commercial auto exposure is very high as drivers are often traveling on public roads under emergency conditions and during severe weather. Drivers must be trained to verify that intersections are clear before going through red lights. MVRs must be ordered regularly on all drivers. Vehicles must be maintained and records kept in a central location.
Montana Fire Department Insurance - The Bottom Line
To find out more about the specific types of Montana fire department insurance policies you'll need and how much coverage you should carry, consult with a reputable broker that is experienced in commercial insurance.
Montana Economic Data, Regulations And Limits On Commercial Insurance
Thinking about starting a new business? Already own a successful business and want to expand your operations? Whatever the case may be, if you want to experience as much success as possible, you are going to want to ensure you choose the best possible location for your specific industry.
No matter how outstanding your goods and services may be, if the area where your business is located doesn't offer a healthy climate that will support your company, chances are you'll struggle to succeed.
If you are thinking about opening up a business in Montana, being familiar with the state's economic trends can help you determine if it's a good location for you. It's also wise to know what type of insurance you'll need to invest in so that you can plan ahead.
With that said, below, we provide an overview of the economic trends in the state of Montana, as well as the commercial insurance requirements for business owners in the Treasure State.
Economic Trends For Business Owners In Montana
As of December, 2019, the Bureau of Labor Statistics reported that the unemployment rate in the state of Montana was 3.4%; that's 0.1% lower than the national average, which was 3.5% at the same time. This rate remained steady throughout the entire 2019 fiscal year, and it is expected to either continue remaining steady or improve in coming years, according to economists.
Unemployment rate is a vital statistic for business owners, as it indicates the job market of a location, which is a strong determining factor in the success of businesses in the region.
There are several areas throughout the state of Montana that are seeing economic booms and where businesses are flourishing. Among those locations include the following cities and the areas that surround them:
- Great Falls
Several industries are seeing substantial growth in MT; however, there are particular sectors that are really thriving in Montana. Among those sectors include:
- Advanced manufacturing
- Hospitality and tourism
- Information technology
- Oil and gas production
- Retail development
If you are considering opening a business in any of the above-mentioned areas, your chances of success in Montana are favorable.
Commercial Insurance Requirements In Montana
The Office of the Montana State Auditor, Commissioner of Securities and Insurance regulates insurance in MT. Montana mandates very few forms of insurance coverage by law. They enforce worker's compensation.
Montana requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.
Montana also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.
Additional Resources For Local, State And Federal Government Insurance
Learn about commercial insurance for local, state and federal government agencies, services, operations and buildings.
- County Administration Offices
- Fire Departments
- Government Buildings
- Law Enforcement Entities
- Public Buildings
Cooperative efforts between insurance professionals and public officials have led to the satisfactory arrangement of coverages for public properties that may include large building schedules spread over a number of locations and geographic areas.
Liability insurance protection is a matter of much greater concern. As governmental and charitable institutional immunity continues to erode, the onslaught of lawsuits makes adequate liability protection essential.
Public utilities have unique insurance needs usually best handled by specialists in their field.
Because government entities are becoming more inventive in raising money, they are involved in activities that may not appear to be government-related so that they may require coverages that at first glance do not seem appropriate for them.
Minimum recommended small business insurance coverage: Building, Business Personal Property, Employee Dishonesty, Money and Securities, Accounts Receivable, Audio/Visual Equipment, Computers, Contractors' Equipment, Fine Arts, Valuable Papers and Records, General Liability, Cyberliability, Employee Benefits, Public Officials' Liability, Umbrella, Hired and Non-Oowned Auto & Workers Compensation.
Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Extra Expense, Flood, Computer Fraud, Forgery, Employment-related Practices, Business Auto Liability and Physical Damage and; Stop Gap Liability.
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