As a first responder, you deal with life and death situations every day, and you put your life on the line to protect others, but who is there when you need protection? General Insurance Agency is. We currently work with nearly 400 emergency service organizations in the Tri-state area, and offer security and peace of mind with insurance options specifically tailored for first responders. We represent exceptional insurance carriers to ensure you receive top-tier assistance and support from the people who understand your needs the most.

Insurance Options for First Responders 

We proudly serve:

• Fire Departments: Volunteer, Career & Combination
• Fire Districts
• EMS / Ambulance Services
• Relief Associations
• Non-Emergency Medical Transport
• Search and Rescue Organizations
• Fire Protection Businesses
• Emergency Apparatus & Equipment Dealers
• Service Providers

Property: Commerical and Residential

Replacement Cost or Guaranteed Replacement Cost coverage is available for the commercial or residential property owned by the organization. Additional property exposures include Flood, Earthquake, Business Income and Extra Expense, Equipment Breakdown, as well as Newly Acquired Property.

Commercial General Liability

A General Liability insurance policy covers a business against claims of bodily injury, property damage, and personal or advertising injury caused by the business’s operations, products, or employees. It helps protect businesses from financial loss due to legal claims and lawsuits brought by third parties. This type of policy typically includes coverage for medical expenses, legal defense costs, and any settlements or judgments.

Emergency Services Liability / Management Liability

Available coverages include Emergency Services Errors & Ommissions, Medical Malpractice, Medical Director’s E&O, Director’s & Officer’s Liability, Employee Benefits Liability, Employment Practices Liability Insurance (EPLI), Dispatchers Liability, Pollution Liability, Spousal Liability, Unintentional Release of Individual Identifiable Health Information, and more.

Business Automobile (Auto Liability)

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/underinsured motorist coverage, physical damage, full glass coverage, towing and labor.

Emergency Apparatus Physical Damage

Emergency Apparatus coverage provides physical damage coverage for your emergency vehicles either by Actual Cash Value (ACV) or 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 members’ vehicles, substitute apparatus, rental reimbursement, full glass, and towing and labor.

Portable Equipment

Portable Equipment provides Guaranteed Replacement Cost coverage for equipment used away from your premises. This covers items such as turnout gear, defibrillators, EMS kits, portable radios, pagers, drones, golf carts, boats, and ATVs. Additional exposures include members’ 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. If your organization has stored patient information or members’ personal information on file, you could experience a security breach that may cost thousands to remedy. Key coverage parts of a Cyber Liability policy includes: Network Security Liability, Privacy Violation, Cyber Extortion, Security Breach Notice, and Crisis Management.

Crime

A Commercial Crime policy can be written on a scheduled basis to cover individuals, or on a blanket basis to include all board members, non-compensated officers, directors, treasurers, and volunteers. Coverage is available for employee theft, forgery or alteration, fraudulent impersonation, ERISA, and theft of money and securities.

Group Term Life

Group Term Life Insurance provides 24-hour 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 and 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 the availability of LIFETIME weekly disability benefits. An A&H policy also includes Family Expense Benefits, which reimburses a family member who assists in caring for an injured person 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. 

Line of Duty Cancer Diagnosis Benefit

This optional rider is available for Provident Accident & Health policyholders in the state of Pennsylvania. It includes a lump sum diagnosis benefit ranging from $2,500-$100,000 that covers many types of cancers typically diagnosed in firefighters. There is no age limit for this benefit.

24-Hour Accidental Death and Dismemberment

A 24-Hour 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 include coverage for accidental death, dismemberment, severe burn and disfigurement, coma and paralysis, prosthesis appliance, medical evacuation, home alteration and vehicle modification, bereavement and trauma counseling, and more.

First Responders Assistance Program (FRAP)

This program offers confidential resources and support at 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 eldercare. FRAP is provided at no charge along with a Provident Accident and Health policy, and is available to purchase with a Provident Accidental Death & Dismemberment policy.

Workers’ Compensation

Coverage A of a Worker’s Compensation policy provides wage replacement and medical benefits to employees and volunteers who become injured or ill on the job due to a work-related incident. Coverage B, also known as Employer’s Liability, covers the organization for successful lawsuits brought by the member or employee as a result of employer misconduct. This is not to be confused with Employment Practices Liability Insurance (EPLI) which is typically offered as part of a Management Liability package policy.

Individual Disability Income Insurance (DI)

Individual Disability Income Insurance provides financial protection by replacing a portion of your income if you become unable to work due to illness or injury, on or off the job. It helps cover living expenses and maintain your standard of living during periods of disability. This type of insurance can be purchased through your employer as an optional benefit, or purchased on an individual basis.

Why Choose General Insurance Agency?

We fully understand your unique needs as a modern-day emergency services provider. We have the honor of representing some of the most comprehensive insurance programs in the marketplace; programs that are specifically designed to meet your needs to protect life and property. If you or your organization has any questions or concerns regarding our insurance programs, do not hesitate to contact us at 1-800-882-0801, or info@generalinsuranceinc.com . Our agents are readily available and bring a wealth of knowledge and experience to answer your questions.