The FAA report quoted in "Accidents and Close Calls" is relevant to informing passengers.
As a basic PPL, I hit a fence on the island of Stronsay in Scotland. As I vacated the cockpit after shutting down, the fire vehicle was coming towards me. The farmer had seen me abort takeoff, driven his tractor towards the airfield, and taken the firewagon. He was not on duty, as that was only for commercial passenger flights.
Fire cover need not cost a fortune.