'Cadillac insurance'? Hunt for private firefighters as California burns
Ingalsbee said he is alarmed by the rise of “Cadillac” insurance plans for wealthy people which include bespoke fire emergency response. “It’s for wealthy homes – the insurance company doesn’t want to pay for loss – so it’s cheaper for them to hire a crew and an engine,” he explained. “But they don’t defend the whole neighborhood or city block, that’s not their mission.” Ingalsbee is concerned about a future where access to firefighting resources is increasingly determined by income, or insurance policies. “It comes at the expenses of the public sphere,” he said. “And I don’t think it’s good for our communities.”