Coverage Program

Here are a few reasons why our program can provide your District superior coverage at lower prices than a typical insurance company:

Coverages are broader and specifically tailored to meet the needs of qualified emergency response organizations.
As a public entity, JIFs are exempt from all taxes, fees and assessments paid by commercial insurers.
Potential for Return of Surplus as any excess funds may be returned to the members as allowed by regulation.
Budgets are established annually and property values are assessed on a blanket basis, eliminating mid-term endorsements that may result in assessment increases for typical changes in exposures.
Workers' compensation assessments are based upon payrolls declared by the member and not subject to a final audit.
Members have toll free and online access to employment law attorneys that are available to answer your District's specific questions from hiring and termination situations, to FMLA, ADA, exempt/non-exempt, harassment, discrimination, and more.
FIRST is a member of the Municipal Excess Liability Joint Insurance Fund (MEL JIF). The MEL is the largest governmental property/casualty risk pool in the country with 20 member JIFs representing over 60% of all local governments in New Jersey.

Through a combination of self insurance, excess and direct insurance, FIRST offers its members the following insurance coverages: