A formal, practical insurance review designed for private wildfire response and emergency response companies—built around rapid deployment, changing job sites, and contract requirements.
Why this specialty requires a different approach.
Wildfire response operations face unique exposures: urgent mobilizations, multi-location work, vehicle and equipment transport, higher-severity risk, and strict insurance requirements tied to public and private contracts.
Heritage Insurance Agency helps you evaluate your current insurance program, identify potential gaps, and plan ahead for renewal—so you can pursue work and respond with confidence.
Services we support.
- Wildfire response and suppression support
- Emergency and disaster response operations
- Seasonal or multi-state deployment teams
Who we help.
- Private wildfire response and suppression support contractors
- Emergency and disaster response teams
- Seasonal or multi-state deployment companies
What we review (common coverages).
Coverage needs vary based on services, equipment, vehicles, payroll, and contract terms. During your review, we commonly discuss:
- General liability
- Workers’ compensation
- Commercial auto (owned / hired / non-owned)
- Umbrella / excess liability
- Inland marine (tools, mobile equipment, radios, specialized gear)
- Property coverage (facilities and stored equipment, as needed)
- Professional liability / errors & omissions (where applicable)
- Employment practices liability (EPLI)
- Cyber liability
Contract readiness (so you’re not scrambling).
We can review contract insurance requirements and help align your program to support the work you’re pursuing.
Common requirements include:
- Certificates of insurance
- Additional insured wording
- Waiver of subrogation
- Primary and non-contributory language
- Required limits for liability, auto, workers’ comp, and umbrella
Vendor qualification programs (Cal Fire Hires Equipment / VIPER).
Some wildfire response companies work under vendor qualification programs—often referred to as Cal Fire Hires Equipment or the VIPER program, depending on the vendor and jurisdiction. These programs typically require specific insurance limits and policy wording to remain eligible for assignments.
We’ll help you review your specific requirements and align your coverage and documentation accordingly.
Program names and requirements vary by vendor and jurisdiction; we will review your contract requirements during your coverage review.
Meet your specialist.
Austin Seech – Commercial Risk Advisor (Wildfire Response)
Austin works with private wildfire response and emergency response companies to help identify coverage gaps, align insurance with contract requirements, and build an insurance program that supports rapid-response operations.
Schedule a Review | Prefer to call? Reach us at .
FAQ
How early should we schedule a review?
Ideally 60–90 days before renewal (earlier if you’re adding vehicles/equipment, expanding services, or pursuing new contracts).
What should we bring to the review?
If available: current policies/dec pages, vehicle schedule, payroll estimates, equipment list/values, a description of services, and any contract insurance requirements.
Do you only serve certain states?
We serve wildfire response operations in California, Oregon, Washington, Idaho, Nevada.
Get Started Today
As an independent agency, we are here to help you find the right Private Fire & Emergency Response Insurance (Wildfire Response) coverage.
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