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Frequently Asked Questions

Liability (12)

The Drivers Road Test Signature page is no longer required.  A Team Members list must be submitted annually.

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The fire department the driver belongs to would be responsible for the damage. The Auto Liability coverage follows the firefighter and not the vehicle.

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Yes, coverage is available provided this is an official function of the fire department and you are working within the scope of fire department duties.

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Yes, provided this is an official function of the fire department and working within the scope of duties coverage is available up to the limits set in the Governmental Tort Claims Act.

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Yes, provided this is an official function of the fire department and working within the scope of duties coverage is available up to the limits set in the Governmental Tort Claims Act. (Damage to your personal vehicle is not covered, only the other party)

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Yes, we must have documentation for each vehicle we insure.

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Auto Liability covers the negligent acts of a fire department member, within the scope of duties, while operating a vehicle. General Liability covers the negligent acts of a fire department member, within the scope of duties, other than operating a vehicle.

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Property/APD (4)

Yes, if the fire department has elected General Liability coverage, and it is determined there was negligence and the firefighter was working within the scope of duties coverage is available up to the limits set in the Governmental Tort Claims Act.

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Fire vehicles should be valued at replacement cost if they are less than 10 years old.  Fire vehicles should be valued at Actual Cash Value (ACV) if they are 10 years or older.

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When adding a vehicle to APD, information provided must include proof of ownership and the value of the vehicle and equipment, whether fixed or loose. The vehicle identification number (VIN), Tag Number, Make, Model and Year of the vehicle must also be provided. 

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