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Fire Fighters

Insurance for Fire Districts

Risk management solutions customized for Fire Districts
CGO has built a risk management, insurance program customized to the fire protection industry to assist our clients in managing exposures and driving down insurance related costs.

We have risk management consultants on staff with over 30 years of experience insuring fire risks. They know what it takes to get you the best service and coverage at the best rates.

Controlling costs start with aggressive in-house claims management and proactive support services.
  • Review of policies and procedures – review and make recommendations to improve current programs and provide resources and materials to make these updates.
  • Member education meetings – educate employees on the insurance program’s structure and the effects of claims on budgets.
  • Educational seminars – conducted with top industry experts to address to address topics most relevant to Fire Departments including workers’ compensation, managing the fire departments in the digital age, and meeting the requirements of NFPA, PEDA and PSEBA.
  • Training and program monitoring – Through consistent, active involvement with its clients, CGO strives to continuously identify trends and assists in deploying resources to combat potential problems.
We are proud members of the Following fire associations:
  • Illinois Association of Fire Protection Districts (IAFPD)
  • Illinois Fire Chiefs (IFCA)
  • Northern Illinois Alliance of Fire Protection Districts (NIAFPD)
  • Metro Chiefs (MFCA)

Coverage Offers

Some offerings of our fire district risk management program includes:
  • Property and casualty insurance
  • Claims advocacy
  • Training
  • Legal updates
  • General Liability insurance
  • Worker’s Compensation
  • Automobile
  • Umbrella
  • Light duty/return to work programs
  • Assist in updating Standard Operating Guidelines (SOGs)
  • Complimentary access to leading law firm for liability related questions and issues
  • Payroll and HR Services tailored to fire districts

Speak to a Fire District Risk Management Consultant