Business Details
46 Years
experience
Emergency
services
Trusted Insurance Solutions for Emergency Service Organizations
Special Risk Insurance has dedicated its operations to serving emergency service organizations through tailored insurance solutions and comprehensive risk management services. Founded on the principle of supporting those who protect communities, we combine over 30 years of specialized expertise with active participation in training programs, community initiatives, and volunteer efforts. Our partnership with Volunteer Firemens Insurance Services (VFIS) positions us as the Regional Director for Louisiana and Mississippi, offering access to nationally recognized insurance products developed specifically for fire departments, EMS agencies, and public entities. We provide innovative coverage options including group term life insurance, accident and sickness policies, and LOSAP-defined benefit programs, all supported by educational resources and safety training tools.Our claims process prioritizes efficiency while our team of experienced agents delivers personalized service to address unique organizational needs. Through collaborations with organizations like the National Endowment for the Arts and Blue Star Families, we extend benefits to military personnel and first responders beyond traditional insurance offerings. Our commitment to client welfare drives continuous program enhancements that address evolving risks faced by emergency service professionals.
Services
Group Term Life Insurance
Accident & Sickness Insurance
LOSAP Defined Programs
Public Entity Insurance
Cyber Liability Coverage
Property Damage Insurance
Umbrella Liability
Management Liability
Automobile Coverage
Flood Insurance
Details
- Year established: 1980
Highlights and features
- We offer 30+ years of specialized experience in emergency service insurance
- Our team provides customized risk management solutions for public entities
- We deliver free training resources and safety tools for emergency responders
- Our claims process prioritizes quick resolution for time-sensitive needs
- We actively participate in community programs supporting first responders
Services
Group Term Life Insurance
Our group term life insurance provides comprehensive protection for emergency service organization members. This specialized coverage addresses the unique risks faced by firefighters and emergency responders through customizable policy options. The program includes death benefits, dependent coverage, and optional enhancements to meet specific organizational needs while maintaining affordability.
Accident & Sickness Insurance
This specialized insurance program covers emergency service volunteers for injuries and illnesses sustained during duty. Benefits include weekly disability payments, lifetime benefits for permanent impairments, medical expense coverage, and enhanced benefits for severe incidents. The policy supports both on-duty and off-duty accident protection for comprehensive coverage.
LOSAP Defined Programs
Our LOSAP-defined programs help emergency service organizations retain volunteers through structured benefit plans. Departments can customize contributions and benefits based on service duration, with options for retirement income, disability benefits, and death benefits payable to beneficiaries while maintaining budget flexibility.
Public Entity Insurance
This insurance program protects public entities with coverages including general liability, property damage, cyber liability, and law enforcement activity liability. Underwritten by A+ rated carriers, it provides umbrella coverage and specialized risk management services tailored for municipalities and water-related entities.
Cyber Liability Coverage
Our cyber liability insurance addresses digital risks faced by emergency service organizations. This coverage includes data breach response, privacy management, and crisis management services to protect sensitive information and maintain operational continuity during cyber incidents.
Questions
What types of insurance do you specialize in?
We specialize in insurance for emergency service organizations including fire departments, EMS agencies, and public entities with coverage options for life, accident, sickness, and liability protection.
Do you offer coverage outside Louisiana and Mississippi?
Yes, we provide insurance services nationwide through our partnership with Volunteer Firemens Insurance Services while maintaining regional director responsibilities for Louisiana and Mississippi.
What risk management resources are available?
We provide free training materials, safety tools, and educational programs specifically designed for emergency service organizations to enhance operational safety and risk mitigation.
How do you handle insurance claims?
Our claims process emphasizes efficiency and responsiveness with dedicated support to ensure timely resolution of claims for emergency service organizations.
What community programs do you support?
We sponsor initiatives like the Blue Star Museum program and collaborate with national organizations to provide benefits for military personnel, veterans, and first responders.
