Fire Department Insurance

Fire departments consistently put their lives on the line to save members of the community. As firefighters put themselves at risk to protect others, the fire departments have to do their part to mitigate risk management issues and protect themselves from liabilities.  


Horton’s team members identify and design innovative approaches to protect the assets and personnel of hundreds of towns, villages, cities, lake/sanitary districts, fire departments and other emergency service organizations. Reach out to one of our fire department insurance experts today to learn how Horton can assist you with your insurance coverage and risk management. 


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Why Do Fire Departments and Fire Districts Need Insurance?

Why Do Fire Departments and Fire Districts Need Insurance? 

Fire departments work tirelessly to keep the public safe. As a result, they constantly face various hazards and medical emergencies. Firefighters, paramedics, emergency medical technicians and volunteer firefighters are all exposed to different levels of risk – but the right insurance can protect them. The Horton Group can help you evaluate the biggest risks for each position and develop a plan to lower that risk, control premium costs and obtain the best insurance coverage possible.

What Type of Insurance Do Fire Departments Need?

What Type of Insurance Do Fire Departments Need?

  • Property/Casualty 
  • Equipment 
  • Automobile 
  • Liability 
  • Bonds 
  • Claims 
  • Employee Benefits 
  • Safety Programs & Consulting 
  • Workers’ Compensation 

In addition to the insurance options stated above, Horton can help your fire district evaluate its risk management and employee benefits solutions. 

Commonly Asked Questions on Insurance Coverage for the Emergency Services Community

Horton strives to offer more than insurance. We are dedicated to raising the performance of our clients and preparing them for risks critical to their future - most often these risks are uninsurable. We welcome the opportunity to assist you in developing a risk management program to meet your specific needs.
  • How often do you review your deductibles?
  • Is the policy’s named insured schedule up to date?
  • Have you verified your location schedule for accuracy? Vacant property?
  • Are the vehicle schedule and agreed values correct?
  • Are the umbrella limits appropriate?
  • Do you have a tactical EMS team, an arson investigator or peace officer that carry a weapon?
  • Does your pension board have its own fiduciary liability policy?
  • Do you have sufficient coverage: Accident and Sickness, Crime, Cyber, Employment Practice, Liability, Fiduciary Liability and Sex Abuse?
  • Do members utilize all your carrier’s online training platforms and forms?
  • Do you review loss runs annually?

Fire District Workers Compensation Policies

Workers’ Compensation Policies:

  • Are you calculating an accurately estimated payroll?
  • Do you review the complete annual WC audit?
  • Do you have a current signed pooling agreement and by-laws?
  • Do you submit for your annual grant? (*IPRF members only)
  • Do you work with your loss control representative for an effective safety program?
Fire District Insurance

Fire District Insurance Professionals

Tony Evans

Tony Evans is a Sales Consultant - Vice President for Horton's Public Sector Practice. In this role, Tony is responsible for providing Horton clients with comprehensive, cost-effective and innovative solutions to meet their most complex, risk-related challenges.