FirePlus: Pumped-Up Coverage with Our Excess Liability Insurance

Today’s litigious environment puts assets and services at risk especially for volunteer, combination, & career fire departments and emergency service organizations working on a tight budget. One catastrophic lawsuit could jeopardize the much-needed services on which communities depend. Even with significant limits available under primary policies, a serious injury or accident can result in a lawsuit that would leave an organization financially exposed. Our Excess Liability insurance program is designed to respond once an organization’s primary liability limits are exhausted, providing the added coverage required to address severe losses.

Policy Features

FirePlus has created a proprietary Excess Liability policy form, much like our Commercial General Liability policy. Coverage features include:

  • Following Form Over Underlying Policies
  • Duty to Defend
  • Defense Outside the Limit
  • Nonauditable
  • $10 million Capacity

Our Excess Liability form kicks in when an organization faces a claim that exceeds the limits of these underlying policies:

  • Commercial General Liability
  • Public Officials & Management Liability
  • Business Automobile
  • Employers’ Liability

The experienced professionals at FirePlus will assist in reviewing an emergency service organization’s exposures and the amount of risk they can tolerate in order to provide competitively priced Excess Liability insurance.

Make Us Your Trusted Partner When It Comes to Your Insurance

Since 1928, we have taken a leadership role in pioneering many coverages specifically tailored for the benefit needs of an emergency service organization’s greatest asset – its members. Now we’re offering additional specialized insurance products that not only protect members but also the operations themselves with a comprehensive Property & Casualty insurance portfolio. Give us a call at 800-447-0360 to find out more about FirePlus and engage with staff that truly understands the risks faced by the emergency services community.