Go to the "city hall", or municipal building, and talk to someone that knows the answer. However, the way we do it, the municipality provides workman's compensation by law, and we provide death and disability; as well as liability. But we don't provide like health insurance. Just for duty related injuries, illness and loss of life. As far as I know, there's nothing that would prevent a person from being added on, as long as they were approved to be a member of the organization. Usually, you're only rejected for past infamous crimes, like felonies, etc.