August 9, 2022
FIRST Responder Joint Insurance Fund
Coverage ProgramMiscellaneous - Burning House
Who is eligible to join FIRST?
Fire Districts, Fire Districts with independent fire departments, and emergency medical services affiliated with fire districts are eligible. Contact FIRST for a complete list of eligibility guidelines.
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 19 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
  • Business Automobile
  • Emergency Apparatus
  • Portable Equipment
  • Excess Liability
Click Here for New Member Documents