Property

Our property policy is designed to include coverage extensions that provide you with the additional assurance of a broad insurance program. Examples of covered real property include buildings, air cascade units for on-premises use, exterior signs and permanently installed fixtures, machinery, and equipment. Examples of covered contents include furniture, office equipment, and base stations.

Have questions? Feel free to contact an agent today.

Coverage Highlights

Automatic guaranteed replacement coverage for buildings/real property (no dollar limit)

Coverage provided for the perils of earthquake and flood with no sub-limit, unlike standard programs

Coverage for higher reconstruction costs resulting from the enforcement of local or state building codes (including the “Americans with Disabilities Act”)

Full replacement cost with no dollar limit or deductible for personal effects of your employees or volunteers, should they be stolen or damaged while at your station

Replacement cost coverage for commandeered property (other than autos)

Loss of Income – Actual Loss Sustained

Money & Securities*

Computer software*, including loss caused by computer virus

Deductible waiver for covered losses under multiple VFIS policies

*Up to extension limit stated on policy.

Portable Equipment

Coverage Highlights

  • Guaranteed replacement cost coverage
  • Personal effects of your personnel are covered at full replacement cost without limit when performing official duties
  • Borrowed equipment coverage
  • Automatic coverage for watercraft not exceeding 100 HP (watercraft over 100 HP must be scheduled)
  • Any jet skis or wave runners used for rescue-related purposes with blanket coverage
  • Deductible waiver for covered losses under multiple VFIS policies
  • Drone Coverage available with trained operators in accordance with FAA rules of ESO’s use.

For comprehensive firefighter insurance & EMS insurance, contact an agent today!