There’s a thing called responsibility. Another thing called liability.
The town/municipality that runs the fire department has full responsibility to those who either a) pay municipal taxes; and b) those from outside the municipality who subscribe to their services.
They have no responsibility to those who choose not to subscribe. In fact, they would put the town in jeopardy for any liability that could arise.
If a firefighter were injured or killed, he would not be covered by the town’s insurance plan. The liability would fall to the municipality that would surely face a lawsuit.
It’s not so cut and dry as you might believe. Not by a country mile.
Can you prove that? I would like to see the specific insurance documentation that these guys have that states this. Since all over this country fire departments go to other districts and help when they need it.
Oh wait I’m sure a firemen has never been killed while doing this. LOL!