Property Equipment
Coverage Highlights
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Automatic guaranteed replacement coverage for buildings/real property (no dollar limit)
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Coverage provided for the perils of earthquake and flood with no sub-limit, unlike standard programs
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Coverage for higher reconstruction costs resulting from the enforcement of local or state building codes (including the “Americans with Disabilities Act”)
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Full replacement cost with no dollar limit or deductible for personal effects of your employees or volunteers, should they be stolen or damaged while at your station
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Replacement cost coverage for commandeered property (other than autos)
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Loss of Income – Actual Loss Sustained
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Money & Securities*
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Computer software*, including loss caused by computer virus
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Deductible waiver for covered losses under multiple VFIS policies
*Up to extension limit stated on policy.
Portable Equipment
Coverage Highlights
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Guaranteed replacement cost coverage
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Personal effects of your personnel are covered at full replacement cost without limit when performing official duties
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Borrowed equipment coverage
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Automatic coverage for watercraft not exceeding 100 HP (watercraft over 100 HP must be scheduled)
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Any jet skis or wave runners used for rescue-related purposes with blanket coverage
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Deductible waiver for covered losses under multiple VFIS policies
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Drone Coverage available with trained operators in accordance with FAA rules of ESO’s use.
Please contact one of our agents for a proposal with a detailed explanation and other conditions of coverage.