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Firefighter Liability Insurance Coverage

A firefighter must work in dangerous surroundings, and under extreme pressure. They are responsible for saving children, evacuating seniors and the disabled, and performing CPR, which are only a few of their daily job tasks. These responsibilities require quick thinking and flawless accomplishment of evacuation strategies. While taking every chance to make sure you stay safe, it’s also important to make sure you have the right insurance. Most departments will provide insurance, but is that traditional insurance plan enough? Does it have any gaps?

For this reason, it is extremely important to have a custom firefighter liability insurance plan. Something may go wrong on the fire line and the firefighter could face lawsuits and other court charges. Liability insurance would provide protection from assault and battery, sexual abuse and molestation, lawsuit defense protection, and wrongful acts protection. Firefighters work to get people safe and for the protection of the people, but they also need someone working for the protection of themselves.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.