Each October, fire departments across the country engage with their communities during Fire Prevention Week, a national initiative focused on public safety awareness and education. For volunteer departments, this week presents an invaluable opportunity to foster goodwill, deliver life-saving fire safety tips, and reinforce their role as trusted first responders. 

But public outreach carries risk — and without proper planning and coverage, well-intentioned events can create liability exposures. This is where the right volunteer fire department insurance coverage becomes essential.

Outreach Builds Trust — But Also Risk

Community events like firehouse tours, school visits, and safety demonstrations help bridge the gap between departments and the public. These programs reinforce safety best practices and empower citizens to take preventive steps at home. According to the National Fire Protection Association (NFPA), this year’s campaign focuses on the safe use and storage of lithium-ion batteries — a growing source of home fire risk.

But while the mission is public education, the setting introduces new challenges. Hosting large groups, managing equipment demonstrations, and engaging in off-site outreach increases the chance of unintended injuries, property damage, or claims of negligence. Volunteer departments — many of which operate with tight budgets and lean staffing — cannot afford to absorb the financial or reputational damage that can follow an uncovered incident.

Where General Liability Coverage Comes In

When something goes wrong at a public event, departments without proper coverage may find themselves personally liable. Whether it’s a slip-and-fall incident at the station or a child injured during a live demonstration, even minor accidents can trigger costly claims.

That’s why general liability insurance is a must-have — it protects the department, leadership, and volunteers from third-party claims related to bodily injury, property damage, and personal injury. It also demonstrates due diligence to sponsors, municipalities, and the community. To mitigate reputational and administrative risks associated with organizational leadership, management liability coverage should also be considered.

How Volunteer Fire Department Insurance Coverage Supports Safer Engagement

Today’s comprehensive volunteer fire department insurance coverage extends well beyond active fire response. Public outreach and educational events — especially during Fire Prevention Week — are typically included in policy protections.

Here’s how the right coverage supports community engagement:

• General liability covers claims arising from public interaction during events.
• Accident and health insurance provides additional support for volunteers injured while participating in outreach.
• Workers’ compensation may apply in jurisdictions where volunteer firefighters are covered under standard employment regulations.
  

These protections allow departments to focus on building stronger communities — not bracing for legal fallout.

Protect the Message — and the Messengers

Fire Prevention Week is about more than handing out brochures or giving station tours. It’s about reinforcing a department’s commitment to safety and trust. But that commitment includes safeguarding volunteers and the public when those worlds interact.

Before the next outreach event, insurance agents should encourage their clients to review policy language and confirm that community-facing activities are fully covered. If gaps exist — or if the department is unsure what coverage applies — it’s time to talk.

Get in touch with us to explore coverage that supports your department’s mission from every angle — during Fire Prevention Week and all year long.

FAQ About Fire Prevention Week and Insurance Coverage

Why is Fire Prevention Week important for volunteer fire departments?

Fire Prevention Week raises public awareness around fire safety, helping reduce incidents and strengthen community trust. For volunteer departments, it’s a chance to demonstrate leadership and reinforce their public service role through outreach and education.

What kinds of risks do outreach events create?

Events like firehouse tours and school visits can result in physical injuries, property damage, or liability claims — particularly if equipment is used or large crowds are involved. Even with safety protocols in place, accidents can happen, and departments need protection.

Does firefighter insurance cover public outreach activities?

It depends on the policy. Comprehensive firefighter insurance often includes general liability, accident and health, and workers’ compensation coverage — which may extend to community events. Departments should confirm that outreach activities are covered under current policies.

Is general liability coverage enough for public outreach?

General liability provides critical baseline protection for third-party claims. However, management liability and accident and health coverage offer added protection for volunteer leadership and personnel. Together, they form a more complete risk management strategy.

About Provident FirePlus

Founded in 1902, our rich history involves the creation of custom firefighter insurance benefits in 1928. Today, Provident FirePlus continues to be a pioneer in developing insurance programs for firefighters, EMS providers, municipal entities, and law enforcement. In addition, we provide Special Risks insurance for various volunteer and nonprofit groups. Give us a call today at (412) 963-1200 to speak with one of our representatives.