EMSOA Insurance

As of 9/20/2022, EMSOA has acquired a new liability insurance policy for all EMSOA members.  Below is a summary of the insurance.

Insurance Agency: Safehold Special Risk, Inc., 230 Commerce Way, Suite 230, Portsmouth, NH 03801


Insurance Company: Pennsylvania Manufacturer’s Association Ins. Co.
Effective Dates: September 20, 2023 to September 20, 2024 (Will be extended to Sept 2025)

Liability Limits of Insurance:
$ 2,000,000 General Aggregate Limit
$ 2,000,000 Products/Completed Operations Aggregate
$ 1,000,000 Personal & Advertising Injury Limit
$ 1,000,000 Each Occurrence Limit
$ 300,000 Damage to Premises Rented to you

Accident Medical Coverage

Insurance Company: QBE Insurance Corp.
Effective Dates: September 20, 2023 to September 20, 2024 (Will be extended to Sept 2025)

Base Coverage – Maximum:
$10,000  Accident Death
$10,000  Accidental Dismemberment:
$500,000 AD&D Aggregate Limit:
$25,000  Accident Medical
Dental Limit: Included in Medical Maximum
Physiotherapy Limit: Included in Medical Maximum
Basis of Benefit Full Excess
Benefit Period: 1 Year
Deductible – Corridor: $500


General Liability: The insurance company will investigate and defend the EMSOA member and/or the EMSOA organization against any law suit from an incident where bodily injury and/or property damage is alleged to have occurred.  The insurance company will pay for damages up to the limits of the policy.

Sexual Abuse: Payment for any accusation or determination of sexual abuse by a member.

Medical Payments: Payment for medical expenses due to a member’s injury while involved in an activity associated with EMSOA. This includes any activity immediately before, during or immediately after a meeting or game. These payments will be paid after all other coverage including the member’s medical insurance or other insurance has been paid.  After the end of the policy period, the EMSOA Board of Directors will either renew the policy, modify it or obtain an alternate policy. 

If you have want to make a claim under this policy, contact the EMSOA Secretary/Treasurer as soon as possible.  He will assist you in making your claim.