Emergency Services & Public Safety
Fire departments and districts, EMS agencies, rescue squads and public-safety organizations.
Understanding the risk
Emergency service organizations respond under pressure with specialized apparatus, volunteers and paid staff, and significant public exposure.
Management liability, vehicle operations and responder injury are central concerns.
Who we work with
- Fire departments and districts
- EMS agencies
- Rescue and volunteer organizations
Insurance solutions
Coverages frequently involved in these programs. Structure depends on the operation.
- Emergency vehicle and apparatus
- Portable equipment
- General and professional liability
- Management liability
- Accident and sickness for responders
- Workers' compensation
- Property
- Umbrella and excess
Risk management
Beyond placement.
- Emergency vehicle operations
- Driver training, intersection policies and apparatus maintenance reviewed as core controls.
- Responder health and safety
- Exposure, cancer presumption and injury considerations evaluated with the organization.
- Governance
- Board, employment and volunteer practices reviewed against management liability coverage.
Claims & loss control
Claims Management & Advocacy- Apparatus accidents are among the most severe losses; documentation at the scene matters.
- Responder injuries require coordination between workers' compensation and accident coverage.
The Duncan Approach
The same discipline, applied to emergency services & public safety.
- 01
Understand
RiskDiagnostic
- 02
Map
Risk Mapping
- 03
Improve
RiskGuard
- 04
Position
Underwriting & Premium Negotiation Strategy
- 05
Transfer
Marketplace Execution
- 06
Manage
Ongoing Risk Management
Where we focus within this practice reflects what tends to matter most to the market and to the operation itself.
- Emergency vehicle operations
- Driver training, intersection policies and apparatus maintenance reviewed as core controls.
- Responder health and safety
- Exposure, cancer presumption and injury considerations evaluated with the organization.
- Governance
- Board, employment and volunteer practices reviewed against management liability coverage.
The Duncan Difference
Related RiskThoughts
Industry intelligence covering emergency services & public safety is in preparation. RiskThoughts is our research and market-intelligence publication.
Visit RiskThoughtsOther practices
- Agribusiness, Farm & Ranch
- Animal Health & Veterinary Clinics
- Automotive Services, Garages & Mechanic Shops
- Aviation, Airports & Hangars
- Churches & Religious Organizations
- Construction & Surety
- Dealers, Distributors & Manufacturers
- Energy (Renewable & Non-Renewable)
- Equine & Equibusiness
- Financial & Professional Services
- Food, Beverage & Retail
- Guides & Outfitters
- Healthcare, Senior Care & Human Services
- Non-Profits & Affinity Groups
- Propane, Fuels, Chemicals & Lubricants
- Public Sector, Municipal & Education
- Real Estate & Hospitality
- Stock Show, Fair & Rodeo
- Technology, Media, Entertainment & Telecom
- Transportation
- Waste, Water, Recycling & Environmental
- Wineries, Vineyards, Breweries & Distilleries
Speak with a risk advisor.
Tell us about your organization, your current insurance program and what prompted you to take another look.