I am a volunteer EMT with 2 years experience and going to go paid once my school work lets up. However I was reading an article that explained why getting your own personal insurance is good. They explained that your squads insurance is going to look into the best interest or there company before the defend you.
Here is what i found for EMT insurance quotes (HPSO.COM)
1)
State: NJ
Profession: EMT-B & P
Employment Status: Employed Part Time
Limits of Liability: 1,000,000 / 3,000,000
Recent Graduate: No
Annual Premium: $100
Premium includes state surcharges & Tax: $101.75
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2)
State: NJ
Profession: EMT-B & I
Employment Status: Employed Full Time
Limits of Liability: 1,000,000 / 3,000,000
Recent Graduate: No
Annual Premium: $145
Premium includes state surcharges & Tax: $147.54
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3)
State: NJ
Profession: EMS-Student/Volunteer
Employment Status: Employed Part Time & Part Time
Limits of Liability: 1,000,000 / 3,000,000
Recent Graduate: No
Annual Premium: $75
Premium includes state surcharges & Tax: $76.31
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The rates are cheap for volunteers however I may have to see the restriction and better off going with the Paid non volunteer EMT insurance due to the fact i would like to go paid.
Any input or advice would be help full