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What Insurance for the Firefighter?

Fire! Fire! The eternal call of help to professional and volunteer firefighters triggers thoughts of home and property damage as well as injury and loss of life.

RELATED: Commercial auto insurance for firefighters

RELATED: Errors and Omissions Insurance for Fire Departments

For those battling the conflagrations, the threat to their well-being is underscored.

Take into account wildfires, residential and commercial property fires and even terrorist atrocities up to the scale of 9/11 and it is not difficult to imagine the perils firefighters are up against. This is why the insurance underwriters have created specialized accident and disability insurance for the firefighting industry.  

Specialized Firefighter Insurance Coverage

The related policies recompense covered firefighters and/or their families for:

  • Accidental Death
  • Dismemberment
  • Permanent Disability
  • Specific Forms of Disease resulting from Firefighting

By and large, fire company or department fire responders are authorized for associated coverage.

Various insurance companies present discount on those affiliated with a fire department.

First aid or rescue responders that are allied with a fire department might be covered as well, depending on the underwriter.


For detailed information on firefighter insurance, speak to the experienced professionals at Prime Insurance.


PRIME Insurance is a three-generation family-run independent agency. We’re proud to partner with many of the leading underwriters – recognized companies like ACE, AmTRUST, ASI, ASSURANT, CHUBB, CNA, Employers, FOREMOST, Liberty Mutual, MetLife, PROGRESSIVE, Safeco, StillWater, Travelers, THE HARTFORD, USLI, ZURICH and more. This gives us the ability to provide all forms of nationwide coverage and bonds at competitively lowest quotes. Visit us on our online insurance website or email us at PRIME [at] primeins [dot] com or call us at 732-886-5751 and HAVE A PRIME DAY™!

Summary: A church and monastery burns, a massive wildfire destroys property and lives, a local home is destroyed from a kitchen fire. These instances and less dramatic ones underscore the risks involved with the firefighting community that insurance coverage responds to.



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