Provident Insurance Programs

Provident Emergency

• Fire Department & Emergency Service Insurance with FirePlus

  For over 89 years, Provident has been providing volunteer firefighters, career firefighters, and emergency medical responders with group benefit coverages to protect the financial security of the men and women who put their lives on the line every day throughout this country. Turn to the same dedicated and experienced staff for your organization’s Property & Casualty insurance needs to safeguard against liability and property risks unique to fire departments and other emergency service organizations.

• Specialized Programs for Transportation

  Provident is a leading insurance program administrator specializing in programs for transportation, the emergency services, and special risks.

• Special Risks for Participant Groups

  Provident offers resources specifically dedicated to developing solutions designed to meet the current and future needs of participant groups, including volunteer groups, youth and adult amateur sports organizations, boards of trustees, municipalities, camps/clinics and conferences, youth and adult activities groups, day care centers, associations, and affinity groups.

• Accident & Health Insurance Policy Benefit Highlights

  Whenever volunteer firefighters and medical first responders answer a call they risk more than their lives to selflessly serve others, they risk their economic livelihood due to hazards that can cause injury, illness, or even death. Even in states that have liberal Workers’ Compensation benefits, there are many shortcomings and loopholes to face. Disability limitations, waiting periods, pre-existing medical condition exclusions, and restrictions for heart attacks are just a few of the problems that emergency responders may encounter. These shortcomings can cripple a family’s financial stability. That’s where Accident & Health Insurance* can make a real difference by providing benefits that Workers’ Compensation may not cover. Why choose the Blanket Accident & Health (A&H) insurance policy?

• 24-Hour Accidental Death & Dismemberment Insurance

  In the United States, accidents are the number-one cause of death among people under the age of 44, and the fourth-leading cause of death overall according to the National Vital Statistics Report published by the Centers for Disease Control and Prevention in 2014. 24-Hour Accidental Death & Dismemberment (24-Hour AD&D) Insurance* offered by Provident can help provide added protection for volunteer firefighters and emergency responders.

• Group Term Life Insurance

  Life can be unpredictable. Our Group Term Life insurance* for volunteer fire departments, volunteer firefighters, emergency services organizations, and emergency medical responders helps protect the financial independence and strength of their members’ families if the unexpected happens. Its important features and services offer survivors much more than just a benefit check.

• Critical Illness Insurance

  Cancer is the second-leading cause of death in the United States.1 According to a recent study conducted by the National Institute for Occupational Safety and Health, firefighters are more than twice as likely to be diagnosed with invasive cancer than the average person. 2This alarming statistic—as well as other common health issues including heart attacks, kidney failures, and strokes—has led to critical illness becoming one of the most talked about issues among emergency services workers. Our 24-Hour AD&D coverage includes Critical Illness Benefits, offering peace of mind to America’s heroes and their families. With this plan, firefighters are covered for both occupational and non-occupational related invasive cancers, heart attacks, kidney failures, and strokes.

• First Responder Assistance Program

  As of 2018, firefighting is the second most stressful job in the US.1Provident can help offer some relief with the First Responder Assistance Program, which is included with our Accident & Health Insurance coverage.