Scott Poulton

When it comes to protecting your fire department’s fleet, insuring your fire apparatus correctly is one of the most important financial decisions you can make.

One of the most pressing decisions leaders face is whether to refurbish aging fire apparatus or to invest in full replacement. This blog explores the advantages and limitations of both approaches, helping departments make strategic, informed decisions about their fleet.

Fire apparatus aren’t just vehicles — they’re lifelines. Underinsuring them puts both your responders and your community at risk. Shifting from a purchase-price mindset to a replacement-cost strategy is a critical step toward financial resilience and operational readiness.