Firefighters Insurance and Benefits

Presented by: Ron Block, Southern Maryland Insurance; Cape St. Claire VFD, MD

Room 202

Fire/EMS companies pay for insurance just in case something happens. When “just in case” shows up at your station, are you really covered?

This seminar has 2 primary objectives:

• To identify the property, liability and member exposures faced by volunteer Fire/EMS companies every day – from a risk management perspective.
• To inform members on how insurance works to protect the corporations and their volunteers, and the options available to them.

This seminar is presented in everyday language and provides an interactive format for participant comments and questions.

Topics covered include apparatus valuation methods and liability, coverage for COVID-19, station buildings & contents and operational liability. The Workers Compensation and benefits policies for each county are explained.
Specific risk subjects also include firefighting foam pollution liability, theft of funds, HIPAA, Directors & Officers liability and fund-raising activities. An expanded focus this year is benefits for members, both through the station and available on an individual basis.