You pay directly for your insurance, and the premium is dependant upon several factors. You also have to pay a deductable fee before any benefit is paid. Insurance makes money for the Insurance Company and their shareholders. Airport fire fighters and the associated fire hall and equipment is a dead loss. Pun not intended.
I will disclose a secret: In the past decade a dozen airports with scheduled airline service have indeed eliminated their airport fire fighters, and most passengers, and even some pilots are not aware of this fact.