Emergency Services Insurance Program

Our ultimate goal in this partnership is to provide our members with property and casualty insurance coverage, in the hopes of creating the most competitive insurance environment for the fire service in South Carolina.

Our unique programs are underwritten by Selective Insurance Company, ESIP by McNeil & Company and Fire Plus by Provident Agency.

We offer:

Commercial Property Insurance

  • Guaranteed Replacement Cost
  • Flood and Earthquake
  • Commandeered Property
  • Disappearing Deductible
  • Equipment Breakdown
  • Pollutant Cleanup and Removal

Commercial General Liability Insurance

  • Aggregate Limit of $10,000,000
  • Emergency and Training Pollution Coverage
  • Emergency Services Errors & Omissions
  • Incidental Medical Malpractice
  • Employer’s Liability

Commercial Inland Marine Insurance

  • VESP Portable Equipment
  • Guaranteed Replacement Cost
  • $100 deductible option
  • No schedule of Equipment requirement

Commercial Automobile Insurance

  • VESP Value Guard (Agreed Value) Coverage
  • Commandeered Automobiles
  • Employees Non-Ownership
  • Limited Physical Damage for Employees or Volunteers Vehicles

Emergency Services Directors & Officers Liability

  • Extends to Employment Related Exposures
  • Full Prior Acts Coverage
  • No deductible

Commercial Umbrella

  • No Self Insured Retention
  • Covers: Employee Benefits Liability, Commercial General Liability, Commercial Automobile Liability, Emergency Services Directors & Officers Liability, Employer’s Liability

Risk Management and Loss Control Services

  • On-line streaming video catalog
  • Loss control visits/inspections
  • Workplace Risk Solutions hotline