The Continental Western Group® Fire/EMS PAK program is a program specifically designed to meet the specialized needs of volunteer / partial paid fire departments, and volunteer / not for profit EMS organizations. It features many advantages over typical insurance coverages, including extremely competitive premiums. This program has been offered through CWG since 1980, and can be accessed through our State Directors by any agent in that state. You may contact any of the State Directors listed or find additional information (including applications) at


This program is available to all volunteer fire departments, partial paid departments (departments. with no more than 50% of the staff paid, based on full time staff), volunteer EMS organizations, and not for profit EMS operations. Define EMS as ambulance districts only.

Agent Representation - Our Fire/EMS PAK insurance is administered through "managing state agencies" that have expert knowledge about the specialized operations of fire and emergency response organizations. They work with you to provide the best possible insurance products and services.

For more information and a list of State Directors, go to the Fire/EMS PAK website at or contact Special Markets Underwriting Manager, Chris Morgan at This email address is being protected from spambots. You need JavaScript enabled to view it. or call him at 800-235-2942 ext. 3183.

Use the Agent Finder to locate a local Independent Insurance Agent who represents Continental Western Group.

Disclaimer: Information on this website is subject to change at any time. This website provides general information only, is not legal advice and is not a statement of contract. Any statement regarding insurance coverage made herein is subject to all provisions and exclusions of the entire insurance policy.