As a first responder, your job is to protect lives, property, and communities. You put yourself at risk every day to ensure the safety of others, but who protects you when the unexpected happens? At General Insurance Agency (GIA), we provide reliable insurance options for first responders designed specifically for emergency service personnel in Trappe and the surrounding areas. Our mission is to give you peace of mind, knowing that you and your organization have the right coverage when you need it most.
Comprehensive Insurance Solutions for First Responders
GIA currently works with nearly 400 emergency service organizations across the Tri-state area. We partner with top-tier insurance carriers, offering specialized policies for fire departments, EMS services, search and rescue teams, and other emergency service providers. Our coverage options address the unique risks first responders face, ensuring protection from financial burdens caused by accidents, liability claims, property damage, and more.
Who We Serve
Our first responder insurance policies are available for:
- Volunteer, career, and combination fire departments
- Fire districts and relief associations
- EMS and ambulance services
- Non-emergency medical transport providers
- Search and rescue organizations
- Fire protection businesses
- Emergency apparatus and equipment dealers
- Service providers supporting emergency responders
Insurance Coverage Options
Property Coverage
Whether your organization owns commercial or residential property, we offer Replacement Cost or Guaranteed Replacement Cost coverage to protect against loss. Additional options include coverage for flood, earthquake, business income, extra expenses, equipment breakdown, and newly acquired property.
General Liability
A Commercial General Liability policy protects against claims of bodily injury, property damage, and personal or advertising injury. It provides financial security against lawsuits, legal fees, and medical expenses, ensuring your organization remains operational.
Emergency Services Liability & Management Liability
Emergency service organizations require tailored liability coverage, including:
- Errors & Omissions for emergency services
- Medical Malpractice and Medical Director’s E&O
- Director’s & Officer’s Liability
- Employment Practices Liability Insurance (EPLI)
- Dispatchers Liability
- Pollution Liability
- Spousal Liability
- Cybersecurity & Privacy Protection
Business Auto Insurance
Your organization’s vehicles are critical to operations. Our Business Automobile coverage includes liability for accidents, medical payments, uninsured/underinsured motorists, physical damage, towing, and full glass coverage.
Emergency Apparatus Coverage
We offer Emergency Apparatus Physical Damage insurance with Agreed Value or Actual Cash Value coverage. Additional benefits include protection for members’ vehicles, rental reimbursement, and towing.
Portable Equipment Protection
Your gear is essential for emergency response. We provide Guaranteed Replacement Cost coverage for turnout gear, defibrillators, EMS kits, radios, drones, boats, and other portable equipment.
Umbrella & Excess Liability
To enhance coverage beyond primary limits, our Umbrella/Excess Liability policies provide additional financial protection for lawsuits, medical expenses, and legal defense.
Cyber Liability
Emergency service providers store sensitive data. Our Cyber Liability policies cover security breaches, network security failures, privacy violations, and cyber extortion threats.
Crime Insurance
We offer Commercial Crime coverage to protect against employee theft, forgery, fraudulent impersonation, and theft of money and securities.
Group Term Life Insurance
First responders deserve life insurance that provides security for their families. Our Group Term Life Insurance offers up to $100,000 in guaranteed coverage with no medical questions asked.
Accident & Health (A&H) Coverage
We provide Accident & Health policies that supplement worker’s compensation benefits. Key features include Lifetime Weekly Disability Benefits and Family Expense Benefits for caregivers of injured first responders.
Line of Duty Cancer Diagnosis Benefit
In Pennsylvania, firefighters can access a Line of Duty Cancer Diagnosis Benefit, offering lump-sum payouts from $2,500 to $100,000 for qualifying cancer diagnoses.
24-Hour Accidental Death & Dismemberment
We offer AD&D coverage of up to $500,000 for accidental death, severe burns, disfigurement, coma, paralysis, prosthetics, and home/vehicle modifications.
First Responders Assistance Program (FRAP)
Mental health and well-being are essential. FRAP provides confidential support for stress, depression, family conflicts, financial concerns, addiction, and more.
Workers’ Compensation
Our Workers’ Compensation policies cover wage replacement, medical benefits, and employer liability for injuries sustained in the line of duty.
Individual Disability Income Insurance
If an injury or illness prevents you from working, our Individual Disability Income Insurance replaces lost income, helping maintain financial stability.
Why Choose GIA for First Responder Insurance in Trappe?
GIA understands the challenges emergency service providers face. We partner with industry-leading programs like ESIP, ASIP, and FireWatch by McNeil & Co. to deliver the most comprehensive insurance options available.
With our specialized expertise and deep commitment to first responders, we ensure your organization gets the protection it deserves. Let us help you find the right coverage for your needs.
Get a Quote Today
If you’re looking for reliable insurance options for first responders, we’re here to help. Contact GIA today at 1-800-882-0801 or email info@generalinsuranceinc.com to discuss your coverage options.
For more details on our insurance programs, visit First Responder Insurance.