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.
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
- $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.