New Jersey State Firemen's Association

Name

New Jersey State Firemen's Association

Legal name

New Jersey State Firemen's Association

Website

https://njsfa.com

Company type

Private

Founded year

1885

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Firefighter Mutual Benefit Services

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Services-Membership Organizations (8600), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Group Benefits Reinsurance (Life, Health & Disability) (FSAIANAH)

Keywords

• Firefighter relief benefits
• Burial benefits program
• Mutual benefit association
• Health care assistance
• Insurance premium funding

Headquarters

HQ city

New Jersey

HQ country

Trinidad & Tobago

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Others, Infrastructure, Technology or R&D

Revenue model

1. Insurance Premium Tax Levy: The primary funding mechanism is a 2% tax on fire insurance premiums written by insurance companies chartered outside New Jersey. Funds are collected directly by the NJSFA State Treasurer and distributed to the 534 Local Firefighter's Relief Associations, less an assessment for state operations.
2. State General Relief Fund: The NJSFA maintains a General Relief Fund from which burial benefits are paid to qualified members' survivors. The Fund also covers special relief, supplemental relief, and home health care assistance. Revenue derives from the 2% insurance tax allocated to municipalities without local relief associations (the '999 account'), with shortfalls funded by assessments on local associations.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

The New Jersey State Firemen's Association provides burial benefits (up to $12,800 for qualified members, tripled for line-of-duty deaths), local financial relief, special and supplemental relief, and a Health Care Assistance/Rehabilitation Program to approximately 68,000 career and volunteer firefighters in New Jersey through 534 affiliated local firefighter relief associations. It also funds the New Jersey Firemen's Home in Boonton, NJ for long-term residential care. The organization is sustained by a mandatory 2% tax on fire insurance premiums written by insurers chartered outside New Jersey, rather than by individual member fees, and membership is automatic for municipal firefighters approved by their local governing bodies.

Product overview

The New Jersey State Firemen's Association operates a unified system of firefighter benefits and services, not a technology platform. Its core offerings include a network of 534 local firefighter relief associations administering financial relief benefits, a burial benefit program (maximum $12,800, tripled for line-of-duty deaths), and a Health Care Assistance reimbursement program. Supporting services include the New Jersey Firemen's Home in Boonton for long-term care, annual convention and county caucus meetings, and an online report filing system for local associations to submit quarterly relief reports, annual finance reports, and membership data. The association serves approximately 68,000 career and volunteer firefighters and is governed by NJ Statutes 43:17-1 et.seq.

Differentiator

Problem solved

Functional benefit

Products and services

• Burial Benefit Program Death benefit payments to families of qualified New Jersey firefighters, scaled by months of qualifying service (0 months = $0; 1–11 months = $1,600; up to 84+ months = $12,800 maximum effective May 1, 2026). Line-of-duty deaths receive triple the maximum benefit. For approximately 68,000 career and volunteer firefighter members across 534 local associations.
• Firefighter Relief Benefits System Statewide network of 534 Local Firefighter's Relief Associations providing local financial relief, special relief, supplemental relief, and burial benefit processing to qualified career and volunteer firefighters and their families across New Jersey's 21 counties.
• Health Care Assistance/Rehabilitation Program

Quantifiable outcome

• Burial benefits paid annually from the General Fund exceed $9 million
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Deborah Heart and Lung CentercoreStrategic or Co-development PartnerThe NJSFA has a working relationship with Deborah Hospital where firefighters and their families can receive medical care. Deborah works with participants' insurance providers for payment. A confidential comprehensive cardiovascular and pulmonary medical evaluation program was started in memory of Dominick Buscio, initiated by Donna Buscio. This program is available to all current and retired New Jersey firefighters.
• New Jersey Firemen's HomecoreStrategic or Co-development PartnerThe NJSFA funds the operating and maintenance budget of the New Jersey Firemen's Home in Boonton, NJ. Firefighters with 7 or more years (84 months) of service are eligible for admission, regardless of NJSFA membership. The NJSFA's contribution toward the Home's budget was $8.3 million. The Home provides long-term care and residential care for approximately 74 guests.
• The Burn Center – RWJ/Barnabas HealthminorStrategic or Co-development PartnerListed under Firefighter Health Links on the NJSFA website as a recommended healthcare resource for New Jersey firefighters.

Scale indicators7 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• VFIS (Volunteer Firemen's Insurance Services): An insurance and risk-management provider specifically for emergency service organizations and volunteer firefighters — directly comparable as the insurance-side counterpart that connects to NJSFA's funding stream (the 2% fire insurance premium tax) and offers related coverage solutions for the same volunteer firefighter constituency.

Broad incumbents

• National Fallen Firefighters Foundation: A federally recognized foundation that supports families of fallen firefighters and helps line-of-duty death survivors — directly comparable to the NJSFA's burial benefit and line-of-duty death tripling logic, though operating nationally rather than as a state statutory monopoly.
• National Volunteer Fire Council (NVFC): A national nonprofit representing volunteer firefighters — directly comparable in mission to support volunteer firefighter welfare and benefits, although it does not administer a statutory burial/health benefit pool like the NJSFA.
• Public Safety Officers' Benefits (PSOB) Program: A federal benefit program providing death, disability, and education benefits to public safety officers killed or disabled in the line of duty — directly comparable as a tax/funding-driven line-of-duty death and disability benefit program for the same eligible population that NJSFA serves.
• International Association of Fire Fighters (IAFF): The main labor union for career firefighters in the US and Canada; comparable in serving firefighter membership and administering benefit/trust programs, though focused on collective bargaining and career firefighters rather than a tax-funded mutual benefit model covering volunteers.
• Firefighters Support Foundation: A nonprofit supporting firefighters through education, training, and family assistance programs; comparable as an advocacy and benefit-services organization for firefighters nationally, although broader in geographic scope and operating differently from a state-mandated mutual benefit structure.

Others

• National Fire Protection Association (NFPA): A standards-setting and advocacy body for fire protection — thematically comparable as a national fire-service institutional organization, though not a benefit administrator like NJSFA.
• International Association of Fire Chiefs (IAFC): A professional association for fire-service chief officers; thematically comparable as a fire-service membership/advocacy organization, although representing officers rather than rank-and-file firefighters.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about New Jersey State Firemen's Association