More than 65% of firefighters in the United States are volunteers, serving their communities with dedication and bravery. Yet despite their crucial role, many of these individuals lack the robust insurance coverage that career firefighters often receive. Choosing the right volunteer firefighter insurance is more than a policy decision — it’s about protecting the people who protect us.
Provident Insurance Solutions has specialized in custom firefighter insurance programs since 1928. With nearly a century of experience, we understand the unique needs of volunteer departments and how to close coverage gaps that could otherwise leave them vulnerable.
Why Insurance for Volunteer Firefighters Isn’t One-Size-Fits-All
Volunteer firefighters face many of the same dangers as career firefighters — burns, smoke inhalation, cardiac events, cancer risks — but they often operate under very different circumstances. Limited budgets, varied schedules, and part-time commitments can make securing comprehensive benefits a challenge.
Standard insurance policies may exclude off-duty incidents or fail to account for the full range of volunteer responsibilities. Without tailored coverage, volunteers may face uncovered medical expenses, insufficient disability benefits, or gaps in survivor support. That’s why working with a provider that specializes in the fire service is essential.
Key Components To Look For in Volunteer Firefighter Insurance
When evaluating insurance options, departments should prioritize coverage that reflects the real-world demands and health risks of volunteer service.
- Accident and health coverage: One of the most critical pieces of any plan, this type of coverage should include medical expense reimbursement, disability benefits, and accidental death and dismemberment (AD&D). Given the high physical risks involved, it’s not a place to cut corners.
- Critical illness and cancer plans: Firefighters face higher-than-average rates of certain cancers due to toxin exposure. Comprehensive coverage should include lump-sum payments or extended treatment benefits for conditions such as cancer, heart attack, or stroke.
- 24-hour protection: Risks don’t stop when a volunteer leaves the station. A strong policy offers coverage whether the firefighter is responding to a call, attending training, or off duty — providing peace of mind around the clock.
Additional Coverage That Adds Value
Consider these optional coverages for enhanced protection and support for firefighters and their families.
- Group life insurance: Offering this benefit helps volunteer departments show appreciation for their members — and offers financial protection to families in the event of a loss.
- Mental health support: Firefighting can take a psychological toll. Coverage that includes counseling or post-traumatic stress disorder (PTSD) treatment is a key investment in long-term wellness and retention.
- Family and survivor benefits: In the worst-case scenario, survivors deserve more than condolences. A robust policy affirms continuity of care for dependents and provides essential financial assistance to loved ones left behind.
How To Strengthen Your Department’s Coverage Today
Protecting your team starts with understanding their unique risks — and recognizing that volunteer firefighter insurance is not a generic solution. The right coverage supports recruitment and retention, shows your department values its people, and sees to it that volunteers and their families are not left behind after a crisis.
Provident has worked with thousands of departments across the country to develop custom-fit insurance programs for volunteer firefighters. Contact Provident today to review your department’s current coverage and explore options tailored to your needs.
FAQ About Volunteer Firefighter Insurance
Do volunteer firefighters get insurance benefits?
Yes, but it varies widely by department. Comprehensive coverage often depends on the policies established by the municipality or fire district.
What types of insurance should a volunteer firefighter have?
Ideally, accident and health coverage, AD&D, critical illness or cancer protection, life insurance, and mental health support. 24-hour coverage is also essential.
Are volunteer firefighters covered off duty?
Not always. Many policies only apply during active duty. Provident’s plans offer 24-hour coverage to secure protection anytime, anywhere.
How can departments improve insurance coverage for volunteers?
Start with a review of existing policies and compare them against best practices in the industry. Working with a specialist like Provident can help identify and close coverage gaps.
About Provident
Founded in 1902, our rich history involves the creation of custom firefighter insurance benefits in 1928. Today, Provident continues to be a pioneer in developing insurance programs for firefighters, EMS providers, municipal entities, and law enforcement. In addition, we provide Special Risks insurance for various volunteer and nonprofit groups. Give us a call today at (412) 963-1200 to speak with one of our representatives.