Fire Districts have complex needs and limited resources.

Agencies are under increased pressure to seek new ways to achieve greater efficiency and accountability while also reducing costs and improving operating performance. They are reliant now - more than ever - to have a partner equally invested in minimizing risk, controlling expenses and navigating the complexities in order to achieve their goals.

Do you have questions about your organization’s insurance?

We realize you have countless responsibilities, first and foremost you must do what’s best for your personnel and the community you serve while protecting the District financially. Let’s face it, in the current environment, there is a lot of confusion with regard to risk.

With over 300 Emergency Service clients, Horton understands that fire chiefs, trustees and other leaders of these organizations have a challenging role. Our team of knowledgeable, experienced professionals stay ahead of the market trends, legislative changes, and offer strategies to mitigate unnecessary expenses that affect the cost of your insurance.

Have you reviewed your property/casualty & ancillary insurance policies lately?

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?