Trident Public Risk Solutions has developed an innovative enhancement to help reduce the financial burden on firefighters whose injuries require elective reconstructive surgery for treatment of burns.
The inspiration for the new offering came from Argo Group CEO Mark E. Watson III, who asked Trident President Sue Coates if there was a way to help firefighters whose elective surgery for burn injuries might not be covered by workers compensation.
Insurance for firefighters
The Firefighter Elective Surgery Coverage Amendment, part of Trident’s public entity general liability coverage, became available April 1. It is designed to reimburse cities and towns for the voluntary payments they make on behalf of employees suffering bodily injury while on firefighting duty. Cities or towns can offer this added benefit to firefighters who choose to have an elective procedure that is not covered elsewhere.
“This expanded coverage is an opportunity for us to help firefighters who sacrifice so much every day in service to their communities all across the country,” Coates said.
Firefighters’ on-the-job injuries
Firefighters regularly work in dangerous environments that increase their risk of being injured on the job.
More than 58,800 firefighters in the U.S. were estimated to be injured while on duty in 2017, and 42 percent of those injuries occurred at the fireground, according to a report from the National Fire Protection Association. Five percent of reported injuries overall involved burns: 2 percent from fire or chemical burns and 3 percent from burns and smoke inhalation. Smoke or gas inhalation caused 4 percent of reported injuries.
Trident’s understanding of the unique risks faced by cities, counties, schools and special districts is one reason why so many public entities trust Trident to meet their insurance and risk management needs. Contact us to learn more about our products and services.
Disclaimer: The insurance policies, not this article, form the contract between the insured and the insurance company. The policies contain limits, exclusions, and conditions that are not listed here. All coverages are subject to individual underwriting judgments and to state legal and regulatory requirements. This article is provided for informational purposes only and does not constitute legal advice. Policies for this program are issued by one or more insurance companies of Argo Group International Holdings, Ltd. Trident is a registered service mark of Argo Group International Holdings, Ltd.
Learn more about Trident Public Risk Solutions by visiting argolimited.com/trident/.