From racing to the scene of a structure fire to transporting apparatus for community events, fire department driving carries unique risks that can lead to costly claims. Vehicle-related incidents remain one of the top sources of loss for fire services, whether during an emergency run or routine operation. What kind of auto insurance do fire departments need for their vehicles and staff? The answer is specialized auto insurance for firefighters that accounts for emergency and non-emergency driving realities.
Why Firefighter Driving Incidents Require Specialized Coverage
Emergency response driving demands fast reaction times and often involves navigating through traffic at high speeds with lights and sirens. This environment increases the chance of collisions, whether due to speed, driver distraction, or unpredictable actions by other motorists. Off-duty or volunteer usage of department vehicles adds another layer of complexity, creating potential liability for incidents far from an emergency scene.
According to national fire service and traffic safety data, in 2023, an estimated 19,225 collisions involved fire department emergency vehicles responding to or returning from calls, resulting in roughly 1,450 injuries. Another 550 collisions occurred in firefighters’ personal vehicles while involved in duty-related activities, leading to 75 injuries. For insurance agents, these numbers underscore the importance of providing coverage that anticipates high-risk situations both on and off the clock.
What Does Commercial Auto Insurance for Firefighters Include?
A comprehensive commercial auto policy for fire departments is more than just a fleet policy — it’s protection built for vehicles that face hazards unlike any other. Coverage typically includes:
- Liability for bodily injury and property damage caused by department vehicles
- Physical damage protection for apparatus and support vehicles
- Medical payments coverage for injured occupants
- Uninsured and underinsured motorist protection for incidents involving drivers with inadequate coverage
Unlike personal auto policies, fire department commercial auto coverage must address a variety of vehicles, from pumpers and aerial trucks to command vehicles and trailers. Policies must also clarify driver eligibility, whether the operator is a full-time employee, volunteer, or off-duty firefighter using a department-owned vehicle. These distinctions are critical in preventing gaps that could leave departments exposed.
How To Choose the Right Commercial Auto Policy for Fire Department Clients
The most effective commercial auto program starts with a detailed risk assessment. This includes reviewing accident history, evaluating driver training programs, and verifying the documentation of maintenance schedules. An MGA with deep experience in the fire service can help agents interpret these factors and align coverage with actual operating conditions.
When reviewing policies with clients, consider this quick checklist:
- Does the policy cover all apparatus, utility, and support vehicles?
- Are both employees and volunteers included as insured drivers?
- Is there sufficient liability protection for catastrophic injury or damage claims?
- Are coverage limits high enough to protect the department’s budget and community assets?
Help Clients Strengthen Commercial Auto Coverage
Driving risks are unavoidable in fire service operations — but they don’t have to leave departments financially vulnerable. Commercial auto coverage explicitly designed for the fire service closes dangerous gaps left by standard policies. By partnering with Provident FirePlus, agents can offer auto insurance for firefighters that covers vehicles and drivers and strengthens the department’s operational readiness.
Contact us to review your clients’ auto coverage or learn more about our specialized programs.
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.