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Florida’s state laws mandate certain accidental death benefits for firefighters, police, and correctional officers. Chubb Accident & Health’s Police and Fire Florida Statutory Accident Insurance is designed specifically for firefighters and law enforcement officers who suffer catastrophic injury in the line of duty. It provides the insurance they need to help protect their families and their financial security in the event of a tragedy.



The amount of the death benefit payable is based on whether the officer’s death occurs while performing in the line of duty or in fresh pursuit, or whether he or she is killed as the result of an unlawful or intentional act. Accidental death benefits are intended to meet the minimum requirements set forth in Florida statutes 112.19 and 112.191. Additional benefits may be less than those required by law.

Available coverage includes:

  • Accidental death coverage in compliance with state laws.
  • Additional benefits to help covered officers and their families cope with an accidental loss, including disability and rehabilitation benefits, counseling benefits and educational benefits.
  • Adaptable plan designs to fit the needs of all groups eligible for statutory benefits on an employer-paid basis.
  • Benefits are payable in addition to any workers’ compensation or pension benefits that may be payable.

The Chubb Advantage

  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.