Insurance Programs

Insurance Programs

Insurance Programs We Represent

PROPERTY
Guaranteed Replacement Cost coverage is available for your buildings and business personal property. Additional property exposures include flood, earthquake, business income and extra expense, equipment breakdown, software and data, as well as newly acquired property.

COMMERCIAL GENERAL LIABILITY
Emergency Services Liability and Fire & Rescue Services Liability include coverages such as emergency services errors & omissions, directors & officers liability, medical malpractice, employment related practices liability, dispatchers liability, pollution liability and more.

BUSINESS AUTOMOBILE
Business Automobile coverage protects your organization and its members from potential lawsuits arising from motor vehicle accidents. Coverage for damage to your private passenger type vehicles can also be provided. Available coverage options include liability for hired and non-owned vehicles, medical payments, fellow member liability, uninsured / underinusured motorist coverage, physical damage, full glass coverage, towing and labor.

EMERGENCY APPARATUS
Emergency Apparatus coverage provides physical damage coverage for your emergency vehicles on an Agreed Value basis, with a scheduled limit of insurance selected by you; no depreciation due to age! Guaranteed Replacement Cost coverage is available for new model year vehicles. Additional enhancements include coverage for member’s vehicles, substitute apparatus, rental reimbursement, full glass, and towing & labor.

PORTABLE EQUIPMENT
Portable Equipment provides Guaranteed Replacement Cost coverage for equipment used away from your premises. This covers such items as turnout gear, defibrillators, EMS kits, portable radios, pagers, drones, golf carts, boats, and ATVs. Additional exposures include member’s personal property, patient’s property, computers and software, and commandeered property.

UMBRELLA/EXCESS LIABILITY
An Umbrella/Excess Liability policy is designed to provide extra limits of insurance above the primary limits provided under a commercial package policy. It also covers damages and any legal defense costs you incur if the coverage under the primary policies is exhausted.

CYBER LIABILITY
Cyber liability claims are on the rise, and if your organization has stored patient information, or member’s personal information on file, you could experience a security breach which may cost thousands to remedy. Cyber Liability coverage provides protection in 5 parts: Network Security Liability, Privacy Violation, Cyber Extortion, Security Breach Notice, and Crisis Management.

CRIME

The ESIP program has expanded the definition of an employee within their Commercial Crime policy to include all board members, non-compensated officers, directors, treasurers, and volunteers. Coverage is available for employee theft, forgery or alteration, and theft of money and securities.

GROUP TERM LIFE

Group Term Life Insurance provides 24-Hr coverage where benefits are payable on or off duty. This group insurance is offered as guaranteed issue coverage with no medical questions. An organization can purchase up to $100,000 of Group Term Life Insurance per member.

ACCIDENT AND HEALTH (A&H)

An Accident & Health policy can supplement the gaps in a typical Worker’s Compensation insurance policy, and in many cases provide benefits that are not available through Worker’s Compensation. Coverage options include weekly disability benefits payable up to LIFETIME. An A&H policy also includes Family Expense Benefits which reimburses a family member who assists in the care of an injured person who is confined to a hospital or receiving outpatient care. Such expenses include food, gas, lodging, childcare, and even the family member’s lost wages. There is no waiting period to qualify for this benefit.

24-HOUR ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)

A 24-Hr AD&D Policy covers all eligible members whether they are on a call or off-duty, anywhere in the world. Limits are available up to $500,000 and includes coverage for accidental death, dismemberment, severe burn & disfigurement, coma & paralysis, prosthesis appliance, medical evacuation, home alteration & vehicle modification, bereavement & trauma counseling, and more.

FIRST RESPONDERS ASSISTANCE PROGRAM (FRAP)

This program offers confidential resources and support any time, day or night, for first responders and their families for issues such as: stress management, depression, family conflict, anxiety, grief and loss, relationships, financial and legal, addictions, problem gambling, child and elder care. FRAP is provided at no charge along with a Provident Accident & Health policy.

WORKERS COMPENSATION

Worker’s Compensation coverage provides wage replacement and medical benefits to employees injured on the job. We can facilitate the process through the PA State Worker’s Insurance Fund for paid firefighters, or through Amtrust Financial for custodial and social club staff in PA, NJ and DE.