Picture a volunteer fire department hosting a fall harvest festival on the station grounds. A local farm runs a hayride, a food truck sells meals, and members staff a [...]
For agents providing firefighter insurance, excess liability may be treated as a routine add-on rather than as coverage tied to shifts in a client’s operations or the industry as [...]
Agents who write coverage for volunteer, combination, and career fire departments spot the risks associated with trucks, stations, and equipment with little trouble. Board-level risk gets less attention, and [...]
Wildfire season sends engines, water tenders, and support vehicles outside their home district, sometimes for days at a stretch, as departments answer mutual aid calls across county and state [...]
What liability coverage does a fire department actually need when it agrees to provide standby coverage at a concert, festival, or large public gathering? That question comes up more [...]
A new fire chief changes more than the name on the door. Priorities shift, budgets get realigned, and procedures that went unquestioned for years suddenly face scrutiny. For insurance [...]
Summer brings pancake breakfasts, open houses, and community fairs to fire stations across the country. These events build public goodwill, generate revenue, and strengthen community relationships. But they also [...]
Summer response season compresses risk into a short window. Wildfires expand across jurisdictions, severe weather events strain regional resources, and large public gatherings require coordinated standby operations across multiple [...]
Spring marks a busy operational period for many fire departments. Stations schedule facility inspections, equipment servicing, and seasonal cleanup projects to prepare for the months ahead. These activities support [...]
When temperatures drop, the risks facing fire departments rise — especially on the road. Slippery surfaces, reduced visibility, and extended response distances all contribute to a more hazardous operating [...]
