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Fire Districts

Image by Daniel Tausis

Fire districts are the cornerstone to the safety of our communities. As first responders, they bring protection, rescue, and lifesaving services at great risk to personnel and equipment. Because of their complex makeup, fire districts are subject to a combination of situations, each having its own unique set of exposures.


At Martin Insurance Consultants, we work hard to understand your individual circumstances so that we can better protect your interests when writing your fire district policy. We also have firsthand knowledge of what it means to mount a truck or engine and go on a call. We are happy to answer to any questions you might have about fire district insurance.


There are many facets to fire district insurance including coverages, limits, deductibles, and which insurance companies are the best fit for you.  We will work with you to devise the best possible strategy for your circumstances, then determine which of our companies will provide you the most competitive premiums.

We know and understand how important a fire district is to the community and the value of having it properly covered. We have personally felt the heat of the fire and helped extract trapped victims from their vehicles. We know that accidents, theft, vandalism, or lawsuits can be financially devastating if you do not have the right coverage in your fire district policy.


Contact us today so we can begin helping you.  We can answer your questions about fire district policies and which coverages, limits, and deductibles are right for you. We are here to help you safeguard your community by protecting your department, equipment and personnel.


Potential Coverages

Comprehensive insurance providing protection for your buildings, equipment, and office contents.


Inland Marine

Off-premises coverage for tools and equipment including back hoes, tractors, generators, pumps, axes, saws, hand tools, cement mixers, and ATV’s.


Equipment Breakdown

Equipment Breakdown coverage responds to the cost to repair or replace mechanical, electrical, or pressure systems which suffer a breakdown, including compressors, pumps, transformers, air conditioning units, refrigeration units and telephone systems, to name a few.


Commercial General Liability – coverages included:
  • Non-owned aircraft & watercraft

  • Owned watercraft less than 35 feet

  • Contractual liability

  • Host liquor liability


Public Officials and Management Liability – coverages included:
  • Directors and officers liability

  • Spousal liability

  • Employee benefits liability

  • Employment related practices liability

  • Water professional activity liability

  • Failure to supply water


Commercial Crime

Comprehensive coverage includes replacement of monies and securities lost, damaged, destroyed or stolen from an insured’s premises or in transit; and employee dishonesty covering fraudulent or dishonest acts by employees.


Commercial Automobile

Comprehensive coverages including auto liability, hired and non-owned auto liability, borrowed vehicles, members as insureds, fellow member liability, medical payments and uninsured or under-insured motorist. Scheduled autos may be covered for comprehensive, collision, towing, and rental reimbursement.


Network Security and Data Breach Liability

Provides liability coverage for third party claims involving disclosure of personally identifiable information, violation of federal, state, or local privacy statutes, transmission of malware from your computer system, and denial of service attack


Workers’ Compensation and Employers Liability

Workers’ compensation coverage pays for medical care and physical rehabilitation of employees injured at work and helps to replace lost wages while they are unable to work. Additionally, this coverage protects an employer from being sued by an injured worker in many cases.


Commercial Umbrella Liability

Umbrellas provide excess liability over the general liability, automobile liability, management/professional liability, and network security and data breach liability.


One size does not fit all

Since every situation is unique, your insurance  portfolio should consist of a unique blend of coverages, limits, deductibles, and premiums. With our individualized approach, you receive a portfolio as unique as you.


There when you need us

Rest assured that when you have a claim, you are not alone. Not only do we counsel you about your claim, we are also your advocates. Request your free, no obligation insurance review today!


Martin Insurance Consultants also insures Water Districts, Irrigation Districts, and Public Entities.

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