Understanding Insurance Requirements for Wildland Fire Contractors
Wildland fire contractors play a crucial role in managing and mitigating fire risks, from suppression efforts to prescribed burns. However, securing the right insurance coverage can be a challenge, especially when misinformation circulates in the industry.
Recently, concerns have been raised about insurance exclusions related to prescribed burns, particularly around the concept of a “Hostile Fire Exclusion.” In this post, we’ll clarify what this means and discuss the importance of certifications like the RXB2 Burn Boss credential in obtaining coverage.
What is the RXB2 Certification, and Why Does It Matter?
For wildland fire contractors engaged in prescribed burns, holding the RXB2 Burn Boss certification is a key requirement for obtaining comprehensive coverage. This certification ensures that the individual leading the prescribed fire operation has undergone proper training and meets national standards for conducting controlled burns safely.
One of the leading underwriters in the industry, McNeil & Company, has confirmed that they require this certification for anyone actively participating in a prescribed fire operation. Without the RXB2 credential, contractors may face exclusions in their coverage related to prescribed burns.
Does the Entire Crew Need RXB2 Certification?
A common question that arises is whether every crew member working on a prescribed burn operation needs to hold the RXB2 certification or just the individual responsible for leading the burn.
While the burn boss (the person overseeing and conducting the fire) must be RXB2 certified, support crew members who are not actively lighting the fire may not need this certification. However, insurance requirements can vary by provider, so it’s essential to confirm coverage specifics with your agent.
Addressing Concerns About the “Hostile Fire Exclusion”
There has been some confusion about whether certain policies exclude coverage for prescribed burns due to a “hostile fire exclusion.” Let’s set the record straight:
- The hostile fire exclusion referenced in some policies applies only to specific situations outlined in the Commercial General Liability (CGL) Coverage Form (CG0001).
- It does not mean that all prescribed burns are automatically excluded from coverage.
- A hostile fire is defined as a fire that becomes uncontrollable or breaks out from where it was intended to be.
- Insurance providers, such as McNeil & Company, clarify that they fully intend to cover losses from escaped prescribed fires—provided that the contractor meets their underwriting requirements (such as holding an RXB2 certification).
If a policyholder does not have the RXB2 certification, some insurers may exclude prescribed burn operations altogether, requiring proof of alternative coverage for those activities.
Why Proper Insurance Matters for Wildland Fire Contractors
Wildland fire work is high-risk, and having the right insurance coverage ensures that contractors are protected in case of unintended fire escapes, property damage, or liability claims. Some key coverage options available for fire contractors include:
- Suppression Insurance – Covers organizations involved in wildfire suppression.
- Rx Fire Insurance – Provides protection for controlled burn operations, ensuring there are no broad fire exclusions.
- Workers’ Compensation – Covers injuries for fire suppression workers.
- Auto Insurance – Protects vehicles and attached equipment used in fire operations.
- Inland Marine – Covers tools and equipment essential for the job.
Providers like Conservation United and McNeil & Company offer various options for wildfire suppression and prescribed burn contractors, but it’s important to understand the fine print and confirm whether exclusions apply to your operations.
The Bottom Line
Misinformation in the insurance industry can create unnecessary panic, but by working with knowledgeable agents and confirming policy details, contractors can ensure they have the protection they need.
If you’re a wildland fire contractor, don’t leave your coverage to chance—make sure you meet the RXB2 certification requirements, review your policy for any exclusions, and work with an experienced insurance provider to secure the right protection.
Need help navigating your insurance options? Contact us today to review your coverage and ensure you’re protected.
Bancorp’s insurance agents are available to provide you with a free review and consultation. Contact Us – Bancorp Insurance Call 800-452-6826
