Fire District Insurance
Insurance for Fire Districts, Fire Departments and Emergency Service Organizations
Fire Protection Districts already understand the fundamentals of securing appropriate insurance coverage. The differentiator is ensuring that coverage is structured by a knowledgeable team who fully grasp the operational, liability, and exposure nuances unique to emergency response.
We work with a network of carriers that focus specifically on the fire service, allowing us to help you tailor programs that align with your district’s risk profile—from apparatus and facilities to personnel and command-level liability. The goal is straightforward: deliver coverage that performs under real-world conditions while supporting the long-term protection of your assets and people.
If you’re evaluating your current program or considering adjustments, we can help design a coverage portfolio that reflects how your department actually operates.
Are you looking for more resources for your fire department, such as information on Line of Duty benefits? If so, please visit our resources page for Fire Departments.
Coverage We Offer
- General Liability, including EMS Liability
- Umbrella Liability
- Fleet Auto, including Apparatus and Ambulances
- Management Liability/Public Officials Liability
- Portable Equipment
- Property Insurance for Fire Stations and their contents
- Builders Risk coverage
- Crime coverage & bonds
- Cyber Liability
- Drone Insurance
- Fiduciary Liability
- Employee Benefits
- Accident & Sickness
- Workers’ Compensation
- and more
Specialty Coverage
Drone Insurance
Get a bird’s-eye view of drone insurance with Railside Citrus Insurance Agency.
Drone usage by fire departments is steadily on the rise. Make sure your District’s insurance will be there in the unlikely event that your UAS causes damages or injuries.
These incidents can be caused by a number of factors while operating a drone, such as operator error, product malfunctions and more.
Hull coverage is offered by many providers and this will include damage during flight or other losses such as theft.
Call us today to learn how to insure your organization’s drone operations.
Employee Benefits
We offer the benefits your personnel will appreciate:
- Medical
- Dental
- Vision
- Disability
- Accident & Sickness
- Accidental Death & Dismemberment
- Life Insurance
- Critical Illness
Agreed Value for Apparatus and Ambulances
Agreed Value insurance is a type of auto coverage in which the value of the vehicle is set in advance.
With Agreed Value coverage, if your fire truck is damaged, you don’t need to worry about depreciation, which means that your investment is protected. Agreed Value insurance will assist in getting a new fire truck if yours is lost or destroyed.
This type of insurance is typically used for engines, ladder trucks and ambulances because they are often the most expensive assets that departments will purchase. Agreed Value coverage has many other positives, such as being affordable and customizable for your department’s needs.
Illinois Counties Where We Insure Fire Protection Districts/Public Entities
Statewide Coverage Available!
About our workshops and events
We do more than provide coverage—we reinvest in the fire service by hosting workshops, sponsoring events, serving on fire district committees, and staying actively involved in fire district associations across Illinois.
- Fire Chief Workshops
- Sponsoring Events
- Participating on Committees
- Members of Fire Service Associations