Americas Leading Insurer of Emergency Organizations

Property Insurance for Emergency Service Organizations

Your station is an important part of the community. Our property policy is designed to include coverage extensions that provide your organization with the additional assurance of a broad insurance program.

Covered real property examples include:

  • Buildings
  • Air cascade units for on-premises use
  • Exterior signs and permanently installed fixtures
  • Machinery
  • Equipment

Covered contents would include:

  • Furniture
  • Office equipment
  • Base stations
Find insurance applications here.

Emergency Services Property Coverage Highlights:

  • Automatic guaranteed replacement coverage for buildings/real property (no dollar limit).
  • Coverage provided for the perils of earthquake and flood with no sub-limit, unlike standard programs.
  • Coverage for higher reconstruction costs resulting from the enforcement of local or state building codes (including the Americans with Disabilities Act).
  • Full replacement cost with no dollar limit or deductible for personal effects belonging to employees or volunteers if they are stolen or damaged while at your station.
  • Replacement cost coverage for commandeered property (other than autos).
  • Loss of income - actual loss sustained.
  • Money and securities.*
  • Computer software* including loss caused by a computer virus.
  • Deductible waiver for covered losses under multiple VFIS policies.

* Up to extension limit stated on policy.