Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
Keller-Brown Insurance Services
9 S Main St, PO Box 215
Shrewsbury, PA 17361
Phone: (717) 235-6891(717) 235-6891
Toll Free: (800) 785-7461(800) 785-7461
If your fire department recently joined Keller-Brown, thank you for trusting us with your insurance needs. Protecting emergency service organizations is an important part of what we do, and we're committed to providing responsive service and trusted guidance every step of the way.
Fire departments, EMS agencies, rescue squads, and 911 communication centers face unique risks every day, from emergency response and patient care to volunteer management, leadership responsibilities, and public accountability. Keller-Brown Insurance works alongside emergency service organizations to help design insurance solutions that reflect how you actually operate, not one-size-fits-all assumptions.
Whether your organization is fully volunteer, combination, or career-based, we take the time to understand your exposures and help you build coverage that supports your mission today and into the future.
This coverage is built specifically for organizations serving on the front lines of emergency response, including:
Each organization has different operational needs, staffing models, and governance structures. Our role is to help ensure your coverage aligns with how your organization functions, from the station to the scene to the boardroom.
Protects stations, apparatus, and specialized equipment with replacement-focused coverage designed for emergency service operations. This includes buildings, communications systems, and essential equipment used in the line of duty.
Provides protection for your organization, employees, and volunteers while acting on your behalf. Coverage can extend to emergency response activities, dispatching decisions, professional health care liability, Good Samaritan acts, and certain allegations such as false arrest or slander.
Addresses liability exposures related to emergency response vehicles, including excess protection for members acting on behalf of the organization. Designed specifically for the realities of emergency vehicle operation.
Helps protect board members, officers, and leadership against employment-related claims, wrongful acts allegations, and cyber incidents, areas of increasing concern for today's emergency service organizations.
Accident and Sickness coverage is designed to supplement workers' compensation and help close those gaps. Benefits may include:
This coverage helps organizations demonstrate a meaningful commitment to protecting their members, both on and off the scene.
Group Term Life Insurance provides financial protection for members and their families and can also serve as a valuable recruitment and retention tool for emergency service organizations.
Keller-Brown offers a specialized Group Term Life program designed specifically for the needs of fire, EMS, and emergency response organizations.
Program features may include:
Coverage can be structured to include a wide range of members, including:
This coverage helps organizations provide meaningful financial protection while supporting long-term membership stability.
Workers' compensation coverage plays an important role, but it may not fully address the risks faced by firefighters and EMS personnel. Coverage limits, eligibility gaps, and volunteer status can leave members and their families exposed after serious injuries or traumatic events.
Insurance is only one part of long-term protection. Strong risk management and training programs can help reduce incidents, improve safety, and support better outcomes for your organization.
Emergency service organizations may have access to resources such as:
These services are designed to support safer operations, stronger leadership, and long-term organizational stability.
Keller-Brown Insurance works closely with emergency service organizations to provide guidance that goes beyond placing a policy. We help you understand how your coverage applies in real-world situations and ensure it aligns with your operations, staffing, and leadership structure.
Our approach is built on:
And because we live and work in the same communities as the stations we support, we understand the responsibility that comes with serving your neighbors and the importance of being there when it matters.
"The professional staff at Keller-Brown Insurance is always courteous and helpful when filling our insurance needs and handling claims. I have dealt with many of the staff over the years for our homeowners, business, and Volunteer Fire Department insurance needs. Everyone can be counted on to go the extra mile."
- Dale Richardson, Glen Rock, PA
What insurance does a volunteer fire department need?
Volunteer fire departments often require a combination of property, liability, automobile, accident and sickness, and management liability coverage. Needs vary based on operations, staffing, and facilities.
Does insurance cover volunteers and auxiliary members?
Coverage can be structured to protect volunteers and auxiliary members while acting on behalf of the organization. It's important to review policies carefully to understand how coverage applies.
How is EMS insurance different from standard business insurance?
EMS organizations face unique exposures related to patient care, emergency response, and vehicle operations. Specialized coverage is designed to address those risks more effectively than standard commercial policies.
How should fire departments insure increasingly expensive apparatus and equipment?
Fire apparatus and specialized equipment continue to increase in cost, making it important for organizations to review how these assets are insured. Some policies may use standard valuation methods that do not fully reflect replacement costs at the time of a loss.
Agreed value coverage is one option organizations may consider, as it establishes a defined value upfront for covered apparatus. Reviewing valuation methods regularly can help ensure coverage keeps pace with rising costs and evolving equipment needs.
Where can fire and EMS organizations in Pennsylvania and Maryland find the right insurance partner?
Many fire and EMS organizations across Southern Pennsylvania and Northern Maryland choose to work with Keller-Brown Insurance because of our local roots, responsive communication, and experience supporting community-based emergency service organizations.
What coverage applies to 911 dispatch centers?
911 centers may require coverage for property, liability, professional errors, cyber risk, and management liability related to dispatching decisions, data protection, and operational oversight.
How often should emergency organizations review their insurance?
Coverage should be reviewed at least annually or whenever there are changes to operations, equipment, staffing, leadership, or facilities. This is especially important for volunteer organizations, where leadership roles may change frequently. Regular reviews help ensure new leadership understands the organization's coverage and that policies remain aligned with current operations and responsibilities.
Will my insurance coverage change if I recently joined Keller-Brown?
Your existing policy remains in place unless you work with our team to make changes. If you have questions about your coverage, we're happy to walk through it with you.
Who should I contact if I have questions about my policy?
Our Fire & EMS team is here to help with policy questions, certificates, claims, billing, and anything else you may need. Contact us anytime here.
If you serve your community through fire, EMS, or emergency response, your insurance should reflect the responsibility you carry every day. Keller-Brown Insurance is here to help you evaluate your coverage and make informed decisions for your organization.
And don't forget, as an independent insurance agency, we represent several top rated insurance companies. We have the flexibility to help you find coverage at competitive premiums that you need.