Protecting Those Who Protect Others
Fire Protection District Insurance Practice
OneDigital provides Fire Districts with an integrated approach addressing risk mitigation, health, and wellness needs.
Optimizing Your Budget Without Compromising Care
Elevating the Fire District Workforce
Controlling Healthcare Costs & Employee Benefits
OneDigital offers data-driven benefit strategies designed to stabilize your spending. We move beyond merely containing rising healthcare costs by leveraging analytics and strategic solutions to manage expenses without sacrificing high-quality benefits for individual firefighters.
- Modernized Funding: Move beyond outdated, traditional models with custom-tailored funding strategies that address your district's unique needs.
- Benefits Analytics: Transform raw data into clear, actionable insights that eliminates cost uncertainty and drive cost saving opportunities.
- Pharmacy Oversights: Tame rising pharmacy spend and take back control through strategic Rx consulting and independent advocacy.
- Impact Studio: A centralized command center for a unifed view of spending across benefits, retirement, and workforce planning.


Property & Casualty Solutions for Fire Districts
Fire Districts face high-stakes risks every day. We provide more than just insurance; we deliver specialized risk mitigation, cost control, and dedicated support to ensure your success.
Fire Districts receive full-service, industry support from a dedicated team ensuring continuity and deep understanding of the client’s unique needs. This commitment is complemented by our In-House Claims Department, which provides personalized, efficient claims assistance and proactive advocacy for every claim, from initial reporting to resolution.
Eliminate coverage gaps by bundling your district’s essential protections into a single, unified defense. While Workers' Compensation protects your people, we secure the rest: your stations, your fleet, and your reputation—giving you the confidence to respond without hesitation. Comprehensive Protection includes:
- Real Property: Firehouses, administrative offices, and training facilities.
- Emergency Equipment (Inlane Marine): High-value gear and tools.
- Business Auto: Specialized coverage for fleets and support vehicles.
- General Liability: Protection against third-party bodily injury or property damage.
- Cyber Liability: Defense against data breaches and digital threats.
- Commercial Crime: Safeguards against employee dishonesty and theft.
- Excess Liability: Umbrella coverage for catastrophic loss.
OneDigital focuses on Proactive Loss Control to actively minimize risk and enhance safety. This is achieved through multiple Annual Safety and Loss Control Meetings which include providing in-depth analysis and feedback. Our approach to ensure your success includes sharing successful safety strategies we have implemented for other districts to effectively mitigate overall risk.
We leverage our depth of carrier relationships to deliver a wide array of highly competitive and comprehensive options for district specific needs. We support employee development and safety education by providing access to valuable online training programs through our carriers.
We manage Workers’ Compensation costs, starting with MOD Rate Analysis using specialized tools to generate in-depth reports and calculate future projections. This analysis drives our Premium Savings efforts, where we help districts actively control losses to lower their MOD rate and achieve long-term savings.
Ready to Make Your District, Our Priority? Get in Touch.
