FirstFire Services
Insurance Solutions for Fire and Emergency Responders
FirstFire Services by OneBeacon Government Risks

Local fire departments and emergency responders have a tremendous responsibility to keep their communities safe, and protect the people who live there. With an instinct to protect strengthened by integrity and reliability, it’s important to find an insurance carrier with similar values. OneBeacon Government Risks understands the unique responsibilities of firefighters and first responders, and we’re here to help minimize their risks, resolve claims and make the community a safer place to live and work.


Our FirstFire Services insurance coverages include:


  • Liability
  • Physical damage
  • Agreed amount valuation for fire trucks and ambulances
  • Tailored coverage extensions including:
    • Commandeered vehicles
    • Customized vehicles
    • Reasonable force exception
    • Recertification


  • Building and business personal property
  • Earthquake and flood available
  • Business income and extra expense
  • Crime
  • Equipment breakdown
  • Comprehensive additional coverages including inland marine options

Inland Marine

  • Blanket limit replacement cost valuation for portable equipment
  • Damage to volunteers' property
  • Commandeered equipment
  • Personal effects and property of others

General Liability

  • Bodily injury and property damage
  • Personal and advertising injury
  • First responders and EMTs liability
  • Drones
  • Liquor liability included
  • Sexual abuse (optional coverage)

Management Liability

  • Wrongful acts
  • Employee benefits administration
  • Third-party harassment
  • Claims-made or occurrence options
  • Injunctive relief coverage

Employment Practices Liability

  • EEOC
  • Back wages
  • Employee harassment
  • Applies to your volunteers and employees

Excess Liability

  • Available for all casualty lines