Fire Department Insurance Program

Effective September 11, 2023:

260:70-11-2(D)(3): The loss must be reported to Risk Management within seven (7) days of learning of the occurrence of a loss. Failure to report a loss will result in the denial of coverage.

For additional rule changes, visit the Oklahoma Administrative Code webpage.

What is FDIP?

The Fire Department Insurance Program (FDIP) provides affordable insurance for Oklahoma fire departments that are formed under Title 11, 18, and 19.

Just as you protect the public when disaster strikes, FDIP responds when disaster strikes you by providing full protection as specified under state law.

Rates

Building & Contents Coverage

$0.40 per $100 of Value Annually
Deductible $1,000 per occurrence

Auto Physical Damage Coverage:

$0.40 per $100 of Value Annually
Deductible $5,000 per occurrence

Coverage Period: Aug. 1, 2024, to July 31, 2025

Auto: $50 per vehicle
General: $28 per member
Combined Auto and General: $36 per member

Coverage Period: Aug. 1, 2024, to Jul. 31, 2025

Reporting an Incident

Immediately report the incident to the police so it can be investigated and documented;
Immediately notify your supervisor or fire chief;
Supervisor or fire chief must notify State Risk Management (SRM).
Take photographs of the incident scene including any damaged vehicles or property. Provide photographs to your supervisor or fire chief.