FirePlus: Protect Against the Unexpected with Our Commercial General Liability Insurance

FirePlus offers broad General Liability insurance to volunteer, combination, & career fire departments and emergency service organizations, going beyond what is typically provided. We’ve leveraged our underwriting expertise to develop a proprietary policy form uniquely designed for the risks these organizations face day-in, day-out. Not only have we designed our policy form to respond when an injury or accident occurs but we also offer broad liability coverage along with key coverage extensions.

Our Proprietary Liability Policy Form Features

The FirePlus Commercial General Liability insurance policy provides the following coverage features:


  • Occurrence Based
  • Duty to Defend
  • Defense Outside the Limit
  • Nonauditable
  • Broad Definition of Insurance
  • Blanket Additional Insured
  • Contractual Liability
  • Per Location Aggregate
  • Fellow Member/Employee

Coverage Extensions

Our insurance form also includes several coverage extensions to address operational liability exposures as well as the services provided by volunteer, combination, & career fire departments and emergency service organizations.

  • Asbestos Liability
  • Fire Damage Legal Liability
  • Healthcare Professional Liability
  • Liquor Liability
  • Medical Payments
  • Non Owned Aircraft Liability
  • Non Owned & Owned Watercraft Liability
  • Line of Duty – Accidental Death Benefit
  • Special Events
  • Damage to Patient’s Property
  • Pollution Liability
  • Contractual Liability – Railroads

The FirePlus program is competitively priced and underwritten by an A.M. Best “AXV” rated carrier.

Make Us Your Trusted Partner When It Comes to Your Insurance

Since 1928, we have taken a leadership role in pioneering many coverages specifically tailored for the benefit needs of an emergency service organization’s greatest asset – its members. Now we’re offering additional specialized insurance products that not only protect members but also the operations themselves with a comprehensive Property & Casualty insurance portfolio. Give us a call at (855) 201-8880 to find out more about FirePlus and engage with staff that truly understands the risks faced by the emergency services community.