As the list below shows, Selective’s program for fire departments offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Property
- Commandeered property
- Communication equipment, computers and media
- Disappearing deductible
- Extra expense
- Food contamination shutdown – planned events
- Loss of income (actual loss sustained – 24 months)
- Money, securities and stamps
- Optional guaranteed replacement cost – building and business personal property
- Outdoor fences, signs, trees, shrubs and plants
- Property off-premises
- Refrigerated property
- Systems PowerPac (equipment breakdown coverage)
- Valuable papers
Liability
- Blanket additional insured coverage
- Emergency services errors and omissions
- Fellow employee, member or volunteer worker liability
- Liquor liability for temporary events
- Pollution coverage for emergency and training operations
- Volunteers included as named insureds
Automobile
- Additional transportation expense
- Fellow employee coverage
- Hired car physical damage – $50,000
- No glass deductible on emergency vehicles
- Physical damage to member’s vehicle – $2,500
- Pollution coverage for emergency and training operations
- Emergency vehicle upgrade cost to comply with current national standards
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Bonds (fidelity, employee dishonesty, treasurer, etc.)
- Emergency services management liability
- Emergency services portable equipment covered on guaranteed replacement cost basis
- Employee benefits liability
- Flood and earthquake
- Inland marine (portable emergency equipment, turnout gear, radios)
- Umbrella – limits up to $10 million, with no minimum retention
- Value guard coverage for fire trucks and ambulances
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.