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Accident & Health Insurance

Protect the members of your Emergency Service Organization (ESO) with supplemental benefits every member deserves. What happens to your member or volunteer who gets hurt on a call while protecting and saving the life and property of others? Does he (she) have health insurance coverage? Does he have adequate disability insurance if the injury is long-term, or even permanent? Does he have adequate life insurance to protect his family?

Make sure you have a comprehensive package of benefits available to meet their needs. Our specialty carrier has been insuring ESO's since 1928, and today offers a wide range of innovative member benefits.
Help us help you protect and provide for your organization's most important and valuable asset…your members!

Request a fire company accident insurance quote

Property Insurance

Note that May 27-June 2 is Hurricane Preparedness Week.
The National Weather Service has several resources which are accessible at

While you are out protecting and saving others' property, be sure your buildings and contents are adequately insured. Check your policy for building amount, type of coverage, deductible, and policy period. Call us with a copy of the information to compare and offer alternatives for coverage.

Request a fire company property insurance quote

Life Insurance

Life insurance provides financial protection for you and your family. It is used to cover debt obligations (mortgages, home equity loans, car loans, credit card debts, etc.) and provide cash flow in the case of an unexpected and premature death of one or more of the family breadwinners. Life insurance comes in several forms and can also be used for estate planning purposes. Forms of life insurance include term, universal, variable universal, and permanent.

  • lower initial cost
  • protection for a specific time period
  • covers a specific need
  • option to include income stream
  • option to convert to permanent life insurance
  • flexible premiums
  • flexible coverage amounts
  • flexible term
  • guaranteed interest rates in a tax-deferred vehicle
  • opportunity to accumulate cash value
  • access to cash value
Variable Universal:
  • same benefits as universal
  • investment subaccounts (mutual funds) to accumulate cash value
  • policy guarantees
  • protection for your entire life
  • access to cash values
  • higher initial premium
  • tax-deferred vehicle with guaranteed interest rate
Request a life insurance quote

Health Insurance

Health insurance provides financial protection against a catastrophic medical expense. You can tailor a program of comprehensive major medical coverage to include networks (PPO's) or traditional (any provider) plans. You select your deductible, coinsurance, and options for yourself and family including maternity, prescription drug card, dental, accidental medical expense, and a Health Savings Account (HSA) for the self-employed. Group plans are available for two or more employees.

Request a health insurance quote

Disability Insurance

Disability insurance replaces lost wages due to a long-term health condition that prevents you from working and earning wages. Provide for your family with the disability insurance needed to continue paying your everyday living expenses. Select your level of income, deductible period, term of benefits and options.

Request a disability insurance quote

Individual Retirement Accounts (IRA's)

Individual Retirement Accounts (IRA's) are available to any employed or self-employed person who receives earned income or compensation. Contributions to an IRA may reduce your taxable income and earnings may accumulate tax-deferred. The principal and interest of your IRA are not taxable income until they are withdrawn, usually upon retirement or mandated by the IRS after age 70 1/2. Early withdrawals (prior to age 59 1/2) may incur a 10% penalty.

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Annuities are insurance company products. They are an investment vehicle used to provide an income stream at some future date. You may make a lump-sum contribution or periodic contributions over time to the annuity. You select the future date when the annuity's principal and interest are repaid to you. Annuities are popular investment vehicles for IRA's, allowing income to be paid in the future over several years, thus reducing the tax impact.

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309 North Market Street, Schaefferstown, PA 17088