Property Insurance Advantages

• Commandeered property (confiscated, government-claimed, etc.)
• Canine (Service animal, K-9 unit, etc.)
• Communication equipment, computers and media (Digital infrastructure, electronic assets, etc.)
• Disappearing deductible (loyalty based, incentivized, etc.)
• Loss of income (Earnings protection, income replacement, etc.)
• Ordinance or law (Code compliance, regulatory upgrade, etc.)
• Personal property of others (Held property, non-owned items, etc.)
• Pollutant clean up and removal (Hazardous material, contamination control, etc.)
• Valuable papers (Legal papers, archival materials, etc.)
• Equipment breakdown (Mechanical failure, electrical surge, etc.)

General Liability Insurance Advantages

• Commandeered mobile equipment (Seized machinery, emergency use, government-claimed, etc.)
• Emergency services errors and omissions (Professional liability, service mistakes, operational oversight, etc.)
• Expected or intended injury-emergency services (Foreseeable harm, necessary force, justified injury, etc.)
• Fellow employee, member or volunteer (Co-worker liability, peer coverage, intra-team protection, etc.)
• Incidental medical malpractice (Unintentional treatment error, non-professional care, auxiliary medical aid, etc.)
• Injunctive relief (Court-ordered action, legal restraint, non-monetary remedy, etc.)
• Civil rights (Discrimination claims, constitutional violations, equal protection, etc.)
• Pollution coverage for emergency and training operations (Operational contamination, training-related spill, hazardous exposure, etc.)
• Temporary liquor law (Short-term permit, event-based alcohol liability, provisional license, etc.)

• Auto physical damage – volunteer workers and employees (Vehicle repair, collision coverage, non-owned auto, etc.)
• Commandeered auto (Seized vehicle, emergency use, government claimed, etc.)
• Deductible – no glass deductible for emergency vehicles (Windshield waiver, zero glass deductible, emergency response vehicle exception, etc.)
• Fellow employee (Co-worker liability, intra-staff coverage, peer protection, etc.)
• Freezing permanently attached equipment (Cold damage, weather related loss, fixed apparatus freeze, etc.)
• Non-owned coverage for volunteer workers and employee's primary (Primary liability, borrowed vehicle, volunteer driver protection, etc.)
• Pollution for emergency and training operations (Environmental spill, training-related contamination, hazardous material exposure, etc.)
• Value guard physical damage (Inflation protection, value adjustment, enhanced repair coverage, etc.)

Volunteer Accident Protection

• Accident & Health (A&H) (Injury benefits, disability income, etc.)
• 24-Hour Accidental Death & Dismemberment (On- and off-duty coverage, lump-sum benefits, etc.)
• Group Term Life (Death benefit, family protection, etc.)
• Critical Illness (Group Cancer) (Cancer-specific, serious illness support, etc.)
• First Responder Assistance Program (FRAP) (Mental health support, wellness resources, etc.)
• FirePlus (Property & Casualty) (Building protection, apparatus insurance, etc.)
• Heart & Illness Coverage (Cardiac event protection, illness-related disability, etc.)
• Special Risks Coverage (Nonprofit groups, youth sports, etc.)

• Abuse or molestation (Misconduct liability, sensitive claims, intentional harm coverage, etc.)
• Commercial umbrella (Excess liability, extended limits, catastrophic coverage, etc.)
• Computer fraud (Digital theft, unauthorized access, cyber deception, etc.)
• Crisis response (Emergency coordination, incident management, trauma support, etc.)
• Cyber liability (Data breach, network security, digital risk, etc.)
• GreenPac (Eco-friendly coverage, sustainable operations, green building protection, etc.)
• Guaranteed replacement cost – building and business personal property (Full rebuild, inflation-proof, no depreciation, etc.)
• Guaranteed replacement cost – portable equipment (Full-value gear replacement, mobile asset protection, no depreciation, etc.)
• Identity recovery (ID theft assistance, credit monitoring, restoration services, etc.)
• Volunteer emergency services management liability (Leadership protection, board liability, administrative oversight, etc.)
• Volunteer emergency services participating (dividend) program (Profit-sharing, premium return, incentive-based coverage, etc.)