Insurance for First Responders

Specialty insurance solutions tailored to your unique needs.
Get Started

Your mission is critical and our insurance solutions are essential.

Your mission is vital and your service is appreciated. Let XINSURANCE be your support that safeguards your endeavors with tailored liability insurance solutions.

The Importance of Insurance for First Responders

First responders have enormous amounts of responsibility, dealing with life and death situations every day. XINSURANCE understands the risk these everyday heroes take and we’re here to protect first responders while they protect others. The last thing you need, as a first responder, is to worry about a claim or lawsuit filed against you. If you want true peace of mind, then you’ve come to the right place. XINSURANCE provides specialty liability insurance solutions for first responders, meaning those who are trained professionals who arrive first at the scene of an emergency, accident, or disaster to provide assistance.

With customized coverage tailored to your needs, XINSURANCE offers insurance solutions for both businesses and individuals. If you’re struggling to find insurance or if you’re worried there are gaps in your current coverage, we’re here to help!

First Responder Insurance: Who We Can Help

  • Firefighters
  • Paramedics & EMTs
  • Law Enforcement
  • Search & Rescue Personnel
  • Wilderness First Responders
  • Public Health Workers
  • Military Personnel
  • Disaster Response Teams
  • Utility Emergency Crews
  • And More!
View All

Insurance Coverage for First Responders

General Liability

Provides coverage for injuries and property damage sustained by third parties.

Professional Liability

Coverage for claims regarding negligent acts and more. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Income Protection When Suspended Without Pay

This coverage provides you with a financial safety net by compensating for lost wages if you’re temporarily suspended from your job as a first responder without pay due to disciplinary or investigative reasons.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Animal Liability

Provides coverage for third-party bodily injury and property damage caused by an animal that you own such as a working dog. Learn more.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Firearms Liability*

Coverage for concealed carry, accidental discharge, and more, for both personal and commercial use. Learn more.

*Available in most states

Weapons Coverage

Coverage for third-party property damage and bodily injury caused by a weapon that was used for personal or commercial purposes.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

View All

How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Liability Insurance for First Responders

What is liability insurance for first responders?

Liability insurance for first responders is a specific type of coverage designed to protect individuals in emergency services roles from financial loss due to claims of negligence, errors, or omissions while performing their duties.

Why do first responders need liability insurance?

First responders need liability insurance because they often work in high-risk environments where the potential for accusations of professional negligence or errors is higher, and such claims can result in significant legal fees and compensation payouts. Additionally, in certain jurisdictions and for specific roles, having liability insurance may be a legal requirement.

Is liability insurance provided by employers sufficient?

While many employers provide some form of liability coverage, it might not fully cover all scenarios or the entire cost of a claim. First responders often consider additional liability insurance for comprehensive protection.

Are volunteers covered under liability insurance for first responders?

Some policies and employers extend coverage to volunteers, but this isn’t universal. XINSURANCE can provide liability insurance solutions for volunteer first responders as well as retired first responders.

Does first responder insurance cover both on-duty and off-duty activities?

It primarily covers professional duties performed while on the job. However, we can provide insurance solutions to cover off-duty activities as well. Be sure to tell us your insurance needs and we’ll customize a plan just for you!

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

What does insurance for first responders typically cost?

The cost of insurance for first responders varies widely depending on several factors, including the type and amount of coverage needed, geographic location, the specific risks associated with their role, past claims history, and much more.

It’s best to contact us and tell us more about yourself and your insurance needs so we can provide a personalized quote.

View All

Keep Doing What You Love With the Protection You Need

First responders need true peace of mind while on the job.

XINSURANCE fills the gaps and provides customized liability insurance solutions for emergency medical services personnel, fire department personnel, disaster response teams, law enforcement personnel, and much more!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service