Certain services are indispensable to local communities. When a flame grows into an inferno, the ability to turn to the fire department can provide comfort to those in danger. However, local fire departments and law enforcement agencies must also take time to consider how they are protecting themselves. Since accidents can and will happen, appropriate insurance is key to making sure that every person on the team remains protected under any circumstances.
Review the Biggest Risks
There are several ways to go about taking out police and fire insurance. For most organizations, the best way to begin is by assessing the risks associated with the business itself. Since your group falls outside of the parameters of what is considered a “traditional” business, you need to approach insurance by reviewing worst-case scenarios. Since your employees often work in the most dangerous of circumstances, your insurance policy needs to cover all of these what-if moments. Areas to pay attention to include:
- Workers’ compensation insurance
- Coverage for cases of negligence
- Protection from cybercrime and modern threats
Approach Matters From a Business Perspective
Though it might not seem like a fire department or police agency needs to be insured in the same way as a business, this is exactly what you need to do to stay safe. Review the basics and assess the biggest risks facing your team to find a plan that provides you with peace of mind.