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Selective Flood Agents

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Insurance for Your Emergency Services Organization

When you’re out fighting a fire or responding to an emergency, 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 all.

Our dedicated and experienced coverage team understands that. We’ve developed insurance that offers specialized property coverages like guaranteed replacement cost coverage for emergency services portable equipment. We also offer specialized liability coverages such as emergency services errors and omissions and pollution coverage for emergency and training operations. With Selective, you’ll know that you have protection that responds to emergencies, just like you do.

Types of Emergency Service Departments We Insure

  • Fire departments
  • Fire districts
  • Non-profit ambulance services
  • Non-profit rescue squads

Coverage Highlights

Property Insurance Advantages

  • Commandeered property
  • Canine
  • Communication equipment, computers and media
  • Disappearing deductible
  • Loss of income
  • Ordinance or law
  • Personal property of others
  • Pollutant clean up and removal
  • Valuable papers
  • Equipment breakdown

General Liability Insurance Advantages

  • Commandeered mobile equipment
  • Emergency services errors and omissions
  • Expected or intended injury-emergency services
  • Fellow employee, member or volunteer
  • Incidental medical malpractice
  • Injunctive relief
  • Civil rights
  • Pollution coverage for emergency and training operations
  • Temporary liquor law

Commercial Automobile Insurance Advantages

  • Auto physical damage-volunteer workers and employees
  • Commandeered auto
  • Deductible-no glass deductible for emergency vehicles
  • Fellow employee
  • Freezing permanently attached equipment
  • Non-owned coverage for volunteer workers and employees-primary
  • Pollution for emergency and training operations
  • Value guard physical damage

For more information about Selective's coverages, click here.

Optional Coverages Tailored for Emergency Service Departments

  • Abuse or molestation
  • Commercial umbrella
  • Computer fraud
  • Crisis response
  • Cyber liability
  • GreenPac®
  • Guaranteed replacement cost - building and business personal property
  • Guaranteed replacement cost - portable equipment
  • Identity recovery
  • Volunteer emergency services management liability
  • Volunteer emergency services participating (dividend) program

For more information about Selective's coverages, click here.

Safety Management Services

Selective can help you prevent claims before they occur with our extensive Safety Management services:

  • Thermographic infrared testing of electrical panels and incoming service at no additional cost
  • Building valuation
  • Employee background screening and access to discounted motor vehicle reports through IntelliCorp®
  • Assistance with developing policy and procedure manuals, including screening guidelines for employees
  • Pre-screening assistance with employee motor vehicle reports
  • Fleet safety assistance, including reduced-cost defensive driving instruction and vehicle emergency evacuation training
  • Emergency services inventory documentation

For more information about Selective’s Safety Management services, click here.

Please contact your Selective agent for more information about our products and services for Emergency Service Departments.