Business Details
Emergency
services
Trusted Insurance for Emergency Service Organizations
Special Risk Insurance has dedicated itself to serving emergency service organizations through specialized insurance solutions and community engagement. For over three decades, we have partnered with fire and emergency medical service leaders to develop tailored policies, educational programs, and consulting services that address the unique challenges faced by these critical organizations. Our commitment extends beyond insurance, as we actively participate in training initiatives, fundraising efforts, and volunteer activities to strengthen the communities we serve. With a focus on innovation, we provide comprehensive coverage for municipalities and emergency responders across 49 states and Canada. Our team combines deep industry expertise with a client-first approach, ensuring that the brave individuals who protect our communities receive the support they deserve.We prioritize transparency, reliability, and ethical practices in all our operations, fostering long-term trust with our clients. Through partnerships with organizations like the National Fire Protection Association and the International Association of Fire Chiefs, we stay at the forefront of industry standards. Our dedication to risk management is reflected in free and low-cost training resources, safety tools, and emergency driver training programs designed to enhance operational efficiency. Recognized as the Regional Director for Volunteer Firemens Insurance Services in Louisiana and Mississippi, we maintain a national presence while delivering localized expertise. Every aspect of our work is guided by the principle that those who risk their lives for others deserve unparalleled protection and service.
Services
Group Term Life Insurance
Accident & Sickness Coverage
LOSAP Defined Programs
Specialty Insurance Solutions
Emergency Driver Training
Risk Management Consulting
FEMA Grant Assistance
Online Training Programs
Safety Equipment Coverage
Highlights and features
- We offer 30+ years of specialized expertise in emergency service insurance.
- Our team includes certified professionals with hands-on experience in fire services.
- We provide free training resources and safety tools to reduce organizational risks.
- Our claims process prioritizes rapid resolution for emergency service clients.
- We actively support community initiatives through sponsorships and volunteer work.
Services
Group Term Life Insurance
Our Group Term Life Insurance provides financial protection for emergency service organizations and their members. Designed specifically for municipalities and first responders, this coverage helps safeguard families during unexpected events. Policies are customizable to meet the unique needs of fire departments and emergency medical services.
Emergency Driver Training
This 16-hour program meets NFPA and state fire academy standards for emergency vehicle operators. Departments can host free classes locally, reducing travel costs while improving safety compliance. Training includes classroom instruction and hands-on driving exercises in specialized facilities.
Risk Management Consulting
Our experts deliver tailored risk assessments and mitigation strategies for emergency service organizations. Services include equipment maintenance guidance, grant writing support, and compliance assistance with federal safety regulations to reduce operational liabilities.
Online Training Programs
Access 49+ self-paced courses covering fire safety protocols, incident command systems, and hazardous materials handling. These programs meet industry certification requirements and are available at no cost to insured clients for continuous professional development.
Specialty Insurance Solutions
We develop niche insurance products for unique emergency service needs, including drone operations, vehicle fleet protection, and public event liability. Policies integrate with existing municipal coverage to address emerging risks in modern emergency response.
People
Howard Ward
Instructor
Retired 31-year firefighter with expertise in hazardous materials, rescue operations, and aviation safety. Certified in FEMA incident command and public information officer roles, Howard delivers practical training to enhance department capabilities.
Questions
What types of insurance does Special Risk Insurance offer?
We specialize in Group Term Life Insurance, Accident & Sickness coverage, LOSAP Defined programs, and specialty insurance solutions for emergency service organizations.
Do you provide training resources for fire departments?
Yes, we offer free emergency driver training, 49+ online programs, safety posters, and risk control materials to enhance department readiness.
Are your services available outside Louisiana and Mississippi?
We serve emergency service organizations in 49 U.S. states and Canada through our national network.
Do you support community initiatives?
Yes, we sponsor programs like the Blue Star Museum and participate in fire chief conferences to strengthen community ties.
