Business Details
Emergency
services
Specialized Insurance for Emergency Services
Special Risk Insurance has dedicated its operations to serving emergency service organizations for over three decades. Founded with the mission to provide specialized insurance solutions, we have developed deep partnerships with fire and emergency medical service leaders to enhance policy frameworks, deliver targeted education, and offer management consulting. Our commitment extends beyond insurance products to include comprehensive training programs, safety resources, and community engagement initiatives designed to strengthen emergency response capabilities.With coverage across 49 states and Canada, we combine industry expertise with personalized service to address the unique risks faced by municipalities and emergency responders. Our team actively participates in industry events, collaborates with national fire service organizations, and sponsors programs supporting first responders and military families. Through innovative approaches to risk management and a focus on client welfare, we strive to set industry standards for customer service excellence in the insurance sector.
Services
Emergency Services Insurance
Group Term Life Insurance
Training Programs
Claims Handling
Risk Management
Highlights and features
- 30+ years of specialized experience with emergency service organizations
- Tailored insurance solutions for municipalities and emergency responders
- Free training resources and safety programs for insured clients
- Active community involvement through museum sponsorships and events
- 24/7 claims reporting process for emergency situations
Services
Emergency Services Insurance
Specialized insurance programs designed specifically for fire departments and emergency medical services. Our policies address unique risks including equipment protection, liability coverage, and personnel safety. We work directly with emergency service leaders to develop customized solutions that meet evolving industry challenges while maintaining competitive pricing and comprehensive protection.
Group Term Life Insurance
Tailored life insurance solutions for emergency service organization members. This benefit program provides financial protection for firefighters and emergency responders' families. Our policies integrate seamlessly with existing benefit structures while offering flexible coverage options and simplified enrollment processes for department members.
Training Programs
Comprehensive training resources including emergency driver training, hazardous materials handling, and incident command courses. We offer both in-person workshops and online learning modules that meet NFPA and state fire academy standards. Training programs help organizations maintain compliance while improving operational safety and response effectiveness through proven educational methodologies.
Claims Handling
Dedicated claims processing system designed for rapid response to emergency service organization needs. Our streamlined process includes 24/7 reporting options, direct carrier coordination, and specialized support for property, casualty, and accident & sickness claims. We prioritize quick resolution while maintaining thorough documentation and compliance with insurance regulations.
Risk Management
Customized risk control solutions featuring safety posters, equipment maintenance guides, and self-audit tools. Our resources help organizations identify potential hazards, implement preventive measures, and maintain compliance with industry standards. We provide both digital and physical materials to support ongoing safety improvement initiatives.
People
Howard Ward
Instructor
Certified emergency response trainer with expertise in fire operations and public safety. Holds multiple advanced certifications including hazardous materials handling, incident command systems, and rescue diving. Former 31-year veteran of Baton Rouge Fire Department with leadership experience across various emergency response disciplines.
Questions
What types of organizations do you insure?
We specialize in coverage for fire departments, emergency medical services, municipalities, and other emergency service organizations across 49 states.
Do you offer training programs for insured clients?
Yes, we provide free and low-cost training resources including emergency driver training, safety programs, and online educational materials.
How can I report a claim after business hours?
For after-hours emergencies, call our dedicated claims line at (800) 233-1957 for immediate assistance with VFIS and GPE policies.
Are there community benefits for policyholders?
Policyholders receive access to exclusive programs like free museum admissions for first responders and military families through our sponsorships.
What risk management resources are available?
We offer 24+ training kits, 49+ online courses, safety posters, and self-audit guides to help organizations maintain compliance and safety standards.
