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Types of Businesses We Insure
Fire Departments

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Insurance That Can Take the Heat

When you’re out fighting a fire, you need to know that you have the right equipment – from trucks to communications equipment to protective gear -- and the right insurance program to cover it.

Our dedicated and experienced coverage team understands that. We’ve developed a program that offers specialized property coverages like guaranteed replacement cost coverage for emergency services portable equipment. We also offer specialized liability coverages like emergency services errors and omissions and pollution coverage for emergency and training operations.

Call your agent today to learn more about an insurance policy from Selective that won’t go up in smoke.

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.

  • 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
  • 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
  • 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.

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