Whenever career and volunteer firefighters and medical first responders answer a call they risk more than their lives to selflessly serve others—they risk their economic livelihood due to hazards that can cause injury, illness, or even death. Even in states that have liberal Workers’ Compensation benefits, there are many shortcomings and loopholes to face. Disability limitations, waiting periods, pre-existing medical condition exclusions, and restrictions for heart attacks are just a few of the problems that emergency responders may encounter. These shortcomings can cripple a family’s financial stability. That’s where Accident & Health Insurance* can make a real difference by providing benefits that Workers’ Compensation may not cover. Why choose the blanket Accident & Health (A&H) Insurance policy?
Interested in getting a free no-obligation quote? Click here to complete our questionnaire.
In order for us to provide a quote for our Accident & Health Insurance, we need to gather basic information that includes such things as: how many members and employees the career, combination, or volunteer fire department or emergency services organization would like to cover as well as requested benefit limits.
In addition to Accident & Health Insurance, please read more about the other insurance products we offer for volunteer firefighters and first responders:
Contact our office to learn more about the insurance coverage available in your area.
*Coverage is subject to exclusions and limitations, and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on local country or US state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations, and exclusions, are set forth in the policy.
Accident & Health insurance policies are underwritten by AXIS Insurance Company, Chicago, IL 60606. These policies are administered by Provident Agency, Inc. and in California, Provident of Pennsylvania Insurance Agency or Pittsburgh, PA.
THE INSURANCE DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT.
Note to New York consumers: The policy provides Accident insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. IMPORTANT NOTICE – THE BASE POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.
The First Responder Assistance Program is not insurance and is provided through Provident by Morneau Shepell.