First Responders

Every day First Responders put themselves at risk in order to protect others. Law enforcement officers, firefighters (paid or volunteer), and emergency medical personnel have unique insurance needs and worker’s compensation and pension benefits are often not going to be enough in the event of an accident. The Sutton Special Risk First Responders Accident plan was developed to provide both on and off duty protection, and benefits are paid out in addition to other insurance coverage. The product is designed to be customized to meet the needs of each client.

Core Coverage

• Accidental Death & Dismemberment, including permanent and total disability

• Accident medical, including coverage for heart attack, heat stroke, brain aneurysm and smoke inhalation

Optional Benefits

• Occupational HIV

• Occupational Hepatitis

• Temporary Total Disability

• Permanent Total Disability

• Accidental burn & disfigurement

• For law enforcement officers: crisis death and bulletproof vest coverage

• Medical evacuation and transport

• Rehabilitation

• Home alteration & vehicle modification

• Vocation or spouse retraining

• Child care

• Trauma counseling

• Accident Medical

Product Advantages

• Benefits are payable in addition to any workers’ compensation or pension benefits

• Fills in potential gaps in workers’ compensation coverage

• First Responders can be covered even when they are not at work

• Flexible so the client can tailor coverage to meet Members’ needs

• Provides peace of mind to Members and their families

• For law enforcement officers: crisis death and bulletproof vest coverage

• Provides municipalities and local offices with the ability to protect their Members at a reasonable cost

• No medical exam required