FirePlus: At the Forefront with Management Liability Insurance

Volunteer, combination, & career fire departments and other emergency service organizations are exposed to a unique set of management liability issues that can result in litigation. This involves everything from allegations of employment practices violations—including employee discrimination and sexual harassment—to breach of duty and mismanagement or improper administration of employee benefit funds. The list of exposures is endless and nothing is off limits when it comes to filing a suit, putting the assets of directors, officers, and members at risk as well as those of the organization itself.

As part of our comprehensive Property & Casualty insurance program, FirePlus offers Public Officials & Management Liability insurance. We have created a proprietary form exclusively designed for fire departments and emergency service organizations. Our policy, backed by an A.M. Best “AXV” rated insurance company, provides for defense coverage and monetary damages due to actual or alleged wrongful acts of directors, officers, and members in their capacity as representatives of the organization.

Our exclusive Public Officials & Management Liability policy form is comprised of the following key coverage highlights:

• Occurrence & Claims Made Options
• Duty to Defend
• Defense Outside Liability Limits
• Nonauditable
• Broad Insured Definition

Coverage is provided for the following exposures:

• Wrongful Acts
• Employment Practices
• Employee Benefit Plans
• Injunctive Relief

In addition, there are several coverage extensions available that make our Management Liability coverage even more robust and responsive to the needs of emergency service organizations:

• Inverse Condemnation
• Outside Directorship
• Third Party Discrimination
• HIPPA Fines & Penalties
• Wage & Hour Laws – Defense Expenses

FirePlus provides competitively priced tailored protection for emergency services organizations and the underwriting expertise to properly cover your operational risks.