Firefighters often risk life and limb to save others from risky situations and need liability coverage. Regarding liability coverage, sudden injuries that impact them more than expected can financially put your clients in a dangerous place. They can expand their monetary limits under their current policy by purchasing excess liability coverage. Learning more about why firefighters need this coverage is essential.
Needing Excess Liability Coverage When Having Issues With Stress
When all the job stressors build up over time, firefighters may notice physical changes in themselves due to mental distress. Feelings of intense burnout and worry over life-threatening situations can impact how much fatigue they feel and what kinds of injuries they get.
Excess liability coverage for firefighters can help your clients in the case of a lawsuit when their policy does not cover the full amount they must pay. They cannot purchase excess liability coverage by itself, however. It is necessary to have a policy before buying this to increase the limits for a personal injury claim.
Dealing With Injuries After a Fire-Related Accident
When firefighters first respond to calls, they may face harm from burning pieces of materials or buildings or exposure to gases and toxic fumes. According to the National Fire Protection Association, from 2016 to 2020, firefighters sustained injuries from exposure to hazards and dangerous situations, falling objects, and excessive strain.
Your clients need to know their original policy to determine the limits for it when it comes to their firefighters dealing with long-term injuries. Although excess liability coverage can give them a higher dollar limit if they have to deal with a claim, it does not add any policies or new occurrences to their excess liability insurance.
Struggling With Long-Term Injuries
After a severe internal or external injury, firefighters your client employs may be unable to work for long periods. Whether these injuries affect their back, legs, or head, they can cause pain for the firefighters and frustration for your clients. Your clients must understand what their policy covers and what they feel comfortable paying for coverage since this is key to knowing why excess liability coverage is so important.
Although your clients may want this excess coverage on multiple policies, they must buy separate coverages for every kind of insurance they have. Buying just one additional instance of coverage will not apply to every policy they have. Knowing the risk level of firefighting and how much they are willing to pay can help your clients determine what coverage they may need.
Learning More About Excess Liability Coverage Can Benefit Your Clients
Liability is prevalent for any clients managing or working in a dangerous field. A giant lawsuit with a sizable claim can significantly impact the organization’s financial health. Understanding what excess liability coverage is and what problems it can prevent may help your clients make up their minds.
About Provident Fire Plus
At Provident Fire Plus, we offer custom-tailored packages to best protect firefighters and volunteer firefighters. We understand the risks that emergency response teams are subjected to on a daily basis, and have worked to serve these dedicated professionals for over 87 years. For more information about our products and policies, we invite you to contact our experts today at (855) 201-8880.