Fire Department Insurance

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Fire Department Insurance Policy Information

Fire Department Insurance

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 fire departments to carry proper insurance. What kinds of fire department insurance coverage might a fire station need? Discover more by reading on.

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.

Below are some answers to commonly asked fire station insurance questions:


How Much Does Fire Department Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small fire houses ranges from $129 to $177 per month based on location, size, number of trucks, claims history and more.


Why Do Fire Departments Need Insurance?

Firefighter

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 fire stations are more intimately familiar than most with the fact that no preventative measure can stop disaster from striking.

Carrying the right 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 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 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 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 fire department insurance from an insurer who is deeply committed to the public sector.


Fire Department's Risks & Exposures

Firemen

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.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 9224 Fire Protection
  • NAICS CODE: 922160 Fire Protection
  • Suggested ISO General Liability Code(s): 43550, 43551
  • Suggested Workers Compensation Code(s): 7710, 7711

Description for 9224: Fire Protection

Division J: Public Administration | Major Group 92: Justice, Public Order, And Safety | Industry Group 922: Public Order And Safety

9224 Fire Protection: Government establishments primarily engaged in firefighting and other related fire protection activities. Government and private establishments primarily engaged in forest firefighting and fire protection services are classified in Agriculture, Industry 0851. Private establishments primarily engaged in other firefighting services are classified in Services, Industry 7389.

  • Fire departments, including volunteer-government
  • Fire marshals'offices-government
  • Fire prevention offices-government

Fire Department Insurance - The Bottom Line

To find out more about the specific types of 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.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

Additional Resources For Local, State And Federal Government Insurance

Learn about commercial insurance for local, state and federal government agencies, services, operations and buildings.


Local, State And Federal Government Insurance

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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