NAICS UNIVERSITY · Free research for insurance agents
Fire Protection
NAICS 922160 · United States · 2022 edition
This industry comprises government establishments primarily engaged in firefighting and other related fire protection activities. Government establishments providing combined fire protection and ambulance or rescue services are classified in this industry.
Start with the work promised to the client.
For Fire Protection, clarify the services, contracts and consequences of an error. Review emergency vehicle operations, public officials liability / errors & omissions, workers' compensation / occupational disease. Confirm which professional activities and additional services the proposed coverage actually addresses.
Questions to ask
- Is this a paid department, volunteer department, or combination — and how many personnel in each category?
- How many fire stations and apparatus are in service, including ages and types?
- Does the department provide EMS, hazmat, technical rescue, or other specialized services beyond structural firefighting?
- What is the jurisdiction's current claims or loss history for the past five years?
- Is the entity part of a public-entity risk pool or joint powers authority for any lines?
- For Fire Protection, what should the underwriter know about significant prior apparatus accident losses or pattern of emergency vehicle incidents?
- For Fire Protection, what should the underwriter know about departments operating aging apparatus beyond typical service life without replacement plans?
- For Fire Protection, what should the underwriter know about jurisdictions with active litigation or recent large public officials claims?
Activities described by this code
Other activities to examine
- Forest firefighting: 115310 — Support Activities for Forestry
- Providing combined police and fire protection services: 922120 — Police Protection
- Providing firefighting services as a commercial activity: 561990 — All Other Support Services;
- Providing ambulance services without fire protection service: 621910 — Ambulance Services
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Government-operated fire protection establishments respond to structure fires, vehicle fires, wildland interface fires, and related emergencies within a defined jurisdiction. Many operations also include emergency medical first response, hazardous materials response, technical rescue, and public fire safety education. Apparatus and personnel are typically stationed at one or more fixed fire stations with around-the-clock staffing.
Questions to investigate
- Is this a paid department, volunteer department, or combination — and how many personnel in each category?
- How many fire stations and apparatus are in service, including ages and types?
- Does the department provide EMS, hazmat, technical rescue, or other specialized services beyond structural firefighting?
- What is the jurisdiction's current claims or loss history for the past five years?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.