Quick Answer
Yes, wilderness first responders typically need specialized insurance to cover their liability in emergency situations, as standard personal insurance policies usually do not cover medical responder actions.
Insurance Considerations for Wilderness First Responders
Specialized insurance for wilderness first responders is crucial for covering the unique risks involved in providing backcountry medical care. When selecting a policy, look for one that specifically covers medical responder actions, including liability for mistakes or omissions. The policy should also include adequate coverage for medical malpractice, as well as coverage for equipment and supplies.
Choosing the Right Policy
When evaluating insurance options, consider the level of coverage needed based on the frequency and type of response calls. A policy with a minimum of $1 million in liability coverage is recommended for WFRs who respond to frequent emergencies. Also, ensure the policy covers the specific areas or regions where the WFR will be working, as some policies may have geographical limitations.
Additional Insurance Considerations
In addition to liability coverage, wilderness first responders may also want to consider purchasing additional coverage for incidentals such as equipment failure or loss, as well as business interruption insurance in case of unexpected events that prevent the WFR from working. The cost of insurance for WFRs will depend on factors such as location, frequency of response calls, and level of certification. Typically, policies can range from $200 to $1,000 annually, depending on the level of coverage and other factors.
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