Which statement best describes the liability risk for members in an association that operates a fire department?

• A. No liability
• B. Potential liability for members
• C. Limited liability
• D. Immunity for volunteers

Answer: (B)

The key idea is that members of an association operating a fire department face real civil liability exposure for their actions, even if they are volunteers. Personal liability can arise if a member’s negligence or improper conduct causes damage or injury, or if they fail to follow proper policies and training. While the organization may carry insurance and can be vicariously liable for the acts of its members, this does not eliminate the risk to the individual member. Immunity or complete protection for volunteers isn’t automatic or universal, so describing the risk as potential liability for members best captures the reality.