Emergency Medical Services (EMS) & First Responder Practice

December 09, 2014

Commercial Property and Casualty / Workers’ Compensation Coverage

First responders are the backbone of the urgent and non-urgent ambulatory services. Whether you are a 9-1-1 provider, air ambulance, critical care transport or disabled persons transport service, Heffernan Insurance Brokers has a dedicated team of specialists whose principal goal is to assist in controlling your Total Cost of Risk (TCOR). State and county regulations, fuel costs, political risks and claims frequency can severely impair any firm. Partnering with a broker who understands these issues offers you a competitive advantage. Heffernan Insurance Brokers leverages expertise and builds exclusive EMS programs to drive your costs down and design coverage forms to ensure the claims you face are covered.

Our specialists have over 35 years of combined experience successfully managing EMS risks.

Insurance Programs

• Guaranteed cost

• Self-insured programs

• Mid to large deductibles

• Captives (Cell, Owned, Group and Assoc.)

Risk Management Strategies

• Fleet Safety Training and Safety Manual

• Loss Control and Enterprise Risk Management

• Benchmarking System

• Medical Triage and First Aid

• Workers’ Compensation Mod Reduction Plan

• DriveCam Program

• CHP Accident Investigation Program

Typical Coverages

• Umbrella/Excess

• Workers’ Compensation

• Professional Liability

• Auto Liability/Physical Damage

• Crime—3rd Party

• Loading and Unloading

• Property

• General Liability

• Cyber Liability

• Employment Practices Liability

Employee Group Benefit Programs

Working as an extension of our clients’ human resource departments, we at Heffernan assist in all aspects of our clients’ health and wellness programs. With experience in all size EMS accounts and financial arrangements, we offer a variety of services including strategic planning, plan analysis, experience reports, annual reports, legislative updates, legal compliance, employee communications, and assistance in administration—just to name a few. And with our wellness program called Wellness@Work, we can help your staff with weight loss, smoking cessation and overall physical health and help bend your medical trend!

Health Care Reform

While Health Care Reform makes health care coverage available to millions of Americans, it creates significant administrative challenges for EMS providers. The legislation contains numerous legal and administrative requirements for employers, who will need to implement significant process and record keeping changes to be compliant. Heffernan can assist you with the adminis­trative challenges coming out of Health Care Reform. We’ve summarized the requirements, setting the stage for how employers might meet them with the support of the Heffernan team.

If you're looking for a better insurance solution for your emergency medical services, contact us today.