Business Details
50+ Years
experience
Your Trusted Partner for Firefighter Insurance Solutions
Established in 1971 by the California Professional Firefighters (CPF), CPF Insurance Trust has dedicated over five decades to providing comprehensive insurance solutions tailored specifically for professional firefighters and their families. Our mission centers on safeguarding the livelihoods of those who protect our communities through high-quality, cost-effective benefits. With a board of directors comprising active and retired firefighters, we maintain deep industry expertise and firsthand understanding of the unique risks faced by our members.Our partnerships with licensed carriers and third-party administrators ensure access to diverse insurance products, including life, dental, disability, and liability coverage, while our commitment to transparency and member advocacy has solidified our reputation as California's leading firefighter organization. Backed by decades of experience and a governance structure that prioritizes member representation, we deliver personalized service and industry-specific protections that address both everyday needs and unforeseen challenges.
Services
Life Insurance
Dental Plans
Long-Term Disability
Union Liability Coverage
Accident Insurance
Personal Lines Insurance
Critical Illness Coverage
Pet Insurance
Details
- Year established: 1971
Highlights and features
- We specialize in insurance solutions tailored specifically for firefighters and their families.
- Our board includes active and retired firefighters with firsthand industry expertise.
- We partner with licensed carriers to ensure competitive rates and quality coverage options.
- We offer 24/7 access to enrollment and support services for member convenience.
- Our governance structure ensures member representation in all insurance decisions.
Associations and certifications
- California Department of Insurance
Services
Life Insurance
Group and individual life insurance policies provide financial protection for dependents. Our plans offer customizable coverage amounts and permanent options to ensure long-term security. Policies integrate with existing benefits to maintain income stability during critical life events.
Dental Plans
Affordable dental insurance plans feature network discounts through Ameritas PPO providers. Members choose from three tiered plans (Rescue, Apparatus, Overhaul) with varying coverage levels. Plans emphasize preventive care and reduce out-of-pocket costs for major dental procedures.
Long-Term Disability
PYI+ long-term disability plans protect 66 2/3% of base salary for on- or off-duty disabilities. Coverage lasts up to 24 months for own-occupation disability and continues until age 65 for any-occupation disability, including mental health conditions.
Union Liability Coverage
Specialized insurance protects union officers, directors, and representatives from claims related to fiduciary duties. Coverage includes legal defense costs for allegations of negligence, contract disputes, and employment-related lawsuits arising from union activities.
Personal Lines Insurance
Access to homeowners, renters, automobile, umbrella, motorcycle, and RV insurance through competitive carrier partnerships. Policies provide comprehensive protection for personal assets with customizable coverage limits and deductible options.
People
Scott Austin
Chairman
Chairman of CPF Insurance Trust and member of Pasadena Firefighters Local #809. Represents member interests in insurance governance and strategic decision-making.
Chris Schamber
Vice Chair
Vice Chair and Sacramento Area Firefighters Local #522 representative. Oversees operational aspects of insurance trust administration and member outreach.
Jason Cervantes
Insurance Director
Insurance Director from Los Angeles Co. Firefighters Local #1014. Focuses on expanding coverage options and maintaining carrier partnerships.
Richard L. Mayberry
Insurance Director
Insurance Director representing Sacramento Area Firefighters Local #522. Ensures compliance with state insurance regulations and fiduciary standards.
PTW Insurance Services
Administrator
Third-party administrator managing day-to-day operations, member services, and claims processing for CPF Insurance Trust programs.
Questions
What insurance products does CPF Insurance Trust offer?
We provide life insurance, dental plans, long-term disability, union liability coverage, accident insurance, personal lines insurance, critical illness coverage, and pet insurance.
Who is eligible for CPF Insurance Trust coverage?
California Professional Firefighters (CPF) members in good standing, including active and retired firefighters, are eligible for our insurance programs.
How can I enroll in a CPF Insurance Trust plan?
Enroll through our website or contact our Fresno office at 888.550.5000 for assistance with plan selection and enrollment.
Are CPF Insurance Trust plans available for families?
Yes, most of our insurance products extend coverage options to spouses, children, and other family members.
Does CPF Insurance Trust work with licensed insurance carriers?
We partner exclusively with fully insured carriers licensed to operate in California to ensure regulatory compliance and service quality.
