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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:

  • Workers’ Compensation

  • Property

  • Management Liability

  • Employment Practices Liability Coverage

  • Environmental Impairment Liability

  • Commercial General Liability

  • Crime

  • Cyber Liability

  • Business Automobile

  • Emergency Apparatus

  • Portable Equipment

  • Excess Liability

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