Coverage Highlights
Our programs address the specific property and liability exposures of New York's emergency service organizations.
District & Department Operations
Property & Physical Assets
- Guaranteed Replacement Cost for Real and Personal Property
- Emergency Apparatus on an Agreed Value basis
- Equipment Breakdown & Business Income protection
- Flood and Earthquake / Earth Movement coverage
Liability & Risk Management
- General Liability with Emergency Services Endorsements
- Fire and Rescue Medical Malpractice Liability
- Cyber Liability & Privacy Security Protection
- Pollution Liability & Corrective Action Costs
Automobile & Crime
- Business Auto Liability including Hired & Non-Owned
- Fellow Member Liability & Injury to Volunteers
- Commercial Crime for non-compensated officers
Volunteer & Member Protection
Medical & Injury Benefits
- VFBL / Workers' Compensation medical care
- Weekly Accident & Sickness disability benefits
- Portable Equipment Replacement (Turnout gear/EMS kits)
Family & Financial Security
- Group Term Life Insurance for District Members
- Discounted Personal Auto & Home rates for first responders
- Individual Life and Long Term Care solutions