Why 7710 Insurance

We established 7710 Insurance in 2015 and were able to increase our book of business by 50% going into our second year of business. Approved to write in 43 states, we cover more than 6,000 lives at fire districts and emergency services across the country. This gives our customers the unique advantage of a national perspective. We partner with many local agencies, and our clients share ideas across the U.S., which isn’t done anywhere else in the industry.

7710 Insurance has a custom program that was designed exclusively and deliberately for the U.S. Fire service/EMS districts by first responders.

Our diligently assembled and specialized business team includes experienced firefighters, paramedics and WC experts with more than 100 years of experience in the industry – all of whom understand the environment (job duties, equipment, the work environment and WC situations) because they have lived it.

7710 has been operating since 2014, but those behind it are not new to insurance or the fire service. Our program is 15 years-in-the-making and taps into our staff members' 100 years of combined experience in fire service, insurance and legal claims mitigation to create hands-on programs that increase safety practices and reduce claims. We offer free access to our legal staff and claims fraud investigation.

Yes. As a more focused carrier, we have greater flexibility and less bureaucracy. We welcome open communication and you will absolutely have access to our executives and our Board. We understand the risks your district takes, and that your jobs don’t end at normal hours. Like a firefighter, you can call us anytime. We want everyone on your team to be taken care of, so the district is always as strong as it can be.

Not only do we provide expertly-guided coverage, we are constantly looking at ways to reduce risk for the departments we insure. We will be in regular communication with you – not just once a year.

No. We are focused on workers’ compensation and uniquely run by emergency services professionals for the emergency services industry. Their day-in and day-out well-being and safety is our sole focus. We are committed to caring for our customers’ employees and saving these customers money, while bringing a new confidence to each district we service.

Our internal flexibility allows us to reward departments that are delivering on safety management best practices with reduced premium.

A Modified Duty Return-to-Work program is an important commitment to overall employee productivity and an indication of structured planning, which allows 7710 to most comfortably assume the risk of writing a station’s workers' compensation policy.

The benefits of a Modified Duty Return-to-Work program – to both the station and the injured employee – far outweigh any negatives. There are cost savings that accompany the program (lower medical bills/claims expenses, reduced indemnity costs, less long term disability) and a lowered experience modifier, which will ultimately keep your district’s premiums lower. Additionally, this kind of program increases productivity and is a morale and skills booster, all of which benefit the injured worker and the station.

We offer a Modified Duty Introduction Packet and a Modified Duty Implementation Packet to help construct and jumpstart a modified duty program at your district.

7710 provides cost-impacting private competition and support for fire districts that has been missing in the industry for too long.

Because of our focus and national exposure, we have accumulated significant data on workers’ compensation for first responders. We use this data to better underwrite and price risks. We use SHIELD (loss control and fitness program) to reduce claims and save our customers money.

If your district or company is part of a state fund, you are pooled together with districts that might not have the same safety commitment and record as yours. This could cause your premium to rise to cover their issues. If your department or company is part of a self-insured trust, you have no protection by the state guarantee fund. When you are with 7710, a private carrier, you will be in a highly-vetted group of fire districts and ambulance companies with a high level of performance and deservedly lower premiums.

We offer conscientious and timely claims management. We typically open claims within 48 hours of notification by the employer. Our goal is to be quick, efficient, and fair with each claim.

In the event of a catastrophic claim, we will first work with the employee, department and medical providers to ensure prompt response, efficient processing, and comprehensive communication until conclusion of the claim. Secondly, our loss control/firefighter staff will work with your department to develop a long-term strategy that will help contain future losses.

Each state has specific laws concerning claim reporting. We adhere to these state specific statutes. However, in order to process your claim promptly, we recommend all claims be reported immediately.

We know your #1 concern is that we take care of your people. Our problem-solving processes get employees back to work quickly and efficiently, with compassionate health resources and modified duty options.

We have a proprietary program created by firefighters called SHIELD. It stands for Safety and Health Initiative for Evaluating Loss Defenses, and we use it to heighten preparedness for all our policyholders. We will present tailored training options to your district upon request. Our program is structured to strengthen multiple department factors – so safety and performance are maximized and injuries are minimized.

We pay compensable medical bills and lost wages in a very timely manner.

We understand fire service from the inside because 7710 was built by firefighters and insurance experts. Ours is a very specific risk management program not available from a generalized carrier. Fire, medical, water rescue, etc. are all things we know from experience in the field.

Our SHIELD team offers collaborative evaluation and training to reduce the frequency and severity of claims, and to enhance operational and fiscal productivity. (SHIELD is an acronym for Safety Health Initiative Evaluating Loss Defense.)

Our Health and Wellness team will provide video instruction on proper training and nutrition, plus some hands-on training. We offer a new kind of focus on the day-in and day-out well-being and safety of Fire and EMS personnel through workers’ comp insurance coverage and custom safety training, deeply rooted in experience, integrity, and service.

Yes. We offer annual, semi-annual, quarterly, and monthly payment plans. In the event of non-receipt, each state has specific laws concerning premium payments by which we must abide. We will ensure you know exactly what you need to know to maintain seamless coverage.

No. We do not offer package policies so we can remain solely focused on workers’ compensation for fire and emergency services. We do, however, work with a number of strategic partners who do – and we would be happy to refer you.