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ESIP COVERAGES
PROPERTY
ESIP Property coverage provides Guaranteed Replacement Cost coverage for your Real Property (buildings) and Personal Property. Our comprehensive coverage also provides protection for a wide range of additional property exposures, such as:
- Business Income and Extra Expense
- Equipment Breakdown
- Computers and Communications Equipment
- Valuable Papers, Software and Data
- Newly Acquired Property
- Money and Securities
- Flood and Earthquake
COMMERCIAL GENERAL LIABILITY
The Commercial General Liability coverage included in our ESIP policy is designed specifically to meet the special insurance needs of emergency service organizations like yours. There are coverage features that make our policy different from a standard commercial policy. These include:
- Emergency Services Liability (Occurrence or Claims Made basis) – covers such things as, directors and officers liability, employment related practices liability, and employee benefits liability
- Fire and Rescue Service Liability – covers such things as, medical malpractice liability, emergency services errors and omissions, and dispatchers liability
- Pollution Liability and Corrective Action Costs
- Non-Owned Aircraft and Watercraft Liability
- Fellow Member Liability
- Injury to Volunteers
CRIME
Our ESIP policy can provide Commercial or Government Crime coverage. We expand the definition of employee on our crime policy to include non-compensated officers, directors and board members, treasurers and tax collectors, and volunteer workers. Coverage is available for the following exposures:
- Employee Theft – Blanket or Position Schedule
- Forgery or Alteration
- Theft of Money and Securities
BUSINESS AUTOMOBILE
ESIP Business Automobile coverage is designed to protect your organization and its members from potential lawsuits arising from motor vehicle accidents. Coverage applies to your vehicles as well as those of your members while they are engaged in their duties for you. Coverage for damage to your private passenger type vehicles can also be provided. Various coverage options are available, including:
- Liability Coverage including Hired and Non-Owned
- No Fault / Personal Injury Protection
- Medical Payments Coverage
- Uninsured / Underinsured Motorists Coverage
- Fellow Member Liability
- Injury to Volunteers
- Physical Damage Coverage including Comprehensive and Collision
- Full Glass Coverage
- Towing and Labor
EMERGENCY APPARATUS
The Emergency Apparatus coverage in our ESIP policy is designed to provide physical damage coverage for your emergency vehicles on an Agreed Value basis. The Agreed Value is a scheduled limit of insurance selected by you. With this coverage we pay the lesser of the Agreed Value, the actual replacement cost or the repair cost of the vehicle. Several coverage enhancements are provided for additional exposures your organization may have, such as:
- Members Vehicles
- Substitute Apparatus
- Newly Acquired Apparatus
- Hired Apparatus
- Rental Reimbursement
- Towing and Labor
- Full Glass
PORTABLE EQUIPMENT
ESIP Portable Equipment coverage provides Guaranteed Replacement Cost coverage for property normally used away from your premises in the performance of your duties as an emergency services organization. It covers such things as turn out gear, defibrillators, EMS kits, portable radios and pagers. It also provides protection for some additional exposures, such as:
- Commandeered or Impounded Property
- Members Property
- Patients Property
- Scheduled Other Property
- Permanently Installed Property Off Premises
- Computers and Software (away from your premises)
Umbrella/Excess Liability
The ESIP Umbrella/Excess Liability policy is designed to provide extra limits of insurance above the primary limits provided under our package policy. It also covers damages and any legal defense costs you incur if the coverage under the primary policies is used up or exhausted. If provided by your primary policy, excess limits are provided for the following:
- Automobile Liability
- Commercial General Liability
- Emergency Services Liability
- Fire and Rescue Service Liability
- Employers Liability
Accident and Sickness
The ESIP Accident and Sickness policy is designed to provide your organization with a feeling of financial security for your members. Our program provides benefits to address the many concerns your fire and emergency medical services personnel have should they become injured or ill while performing duties for your organization. Our comprehensive benefits include:
- Accidental Death and Dismemberment
- Loss of Life – Sickness
- Permanent Physical Impairment
- Cosmetic Burn Disfigurement
- Medical Expense
- Weekly Disability
- Family Expense
- Family Education
- Physical Assault
- Permanent Physical Impairment Education
- 24-Hour Accidental Death and Dismemberment – Injury Only
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