Property & Casualty
Apparatus, stations, equipment, and liability built around how emergency services actually operate.
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5.0
Google ReviewsInsurance for Those Who Protect Us.
VFIS is the specialty division of Burrows Agency built exclusively for fire departments, EMS, rescue squads, and 911 centers across Oklahoma and Arkansas. Same enterprise-grade service. Built field-ready.
Independent Agency·40+ Years·OK & AR Licensed·Local Claims
Departments Protected
500+
Years of Service
40+
Organizations Insured
1,200+
Services We Offer
Six Programs. One Specialty.
Every line is underwritten with one type of organization in mind — emergency services. No retail templates. No gaps where it matters.
Accident & Sickness
On-duty and off-duty coverage for the responders who answer the call — career and volunteer.
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Cancer + Critical Illness
Targeted protection for the long-tail health risks unique to firefighters and EMS personnel.
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Group Term Life
Affordable group coverage that honors what your members and their families have committed to.
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Workers Compensation
Aggressive claims advocacy and return-to-work programs designed for hazardous-duty rosters.
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Health Insurance
Group medical plans tailored to small departments, mutual aid groups, and 911 centers.
Learn MoreProperty & Casualty
Apparatus, stations, equipment, and liability built around how emergency services actually operate.
Learn MoreAccident & Sickness
On-duty and off-duty coverage for the responders who answer the call — career and volunteer.
Learn MoreCancer + Critical Illness
Targeted protection for the long-tail health risks unique to firefighters and EMS personnel.
Learn MoreGroup Term Life
Affordable group coverage that honors what your members and their families have committed to.
Learn MoreWorkers Compensation
Aggressive claims advocacy and return-to-work programs designed for hazardous-duty rosters.
Learn MoreHealth Insurance
Group medical plans tailored to small departments, mutual aid groups, and 911 centers.
Learn MoreProperty & Casualty
Apparatus, stations, equipment, and liability built around how emergency services actually operate.
Learn MoreAccident & Sickness
On-duty and off-duty coverage for the responders who answer the call — career and volunteer.
Learn MoreCancer + Critical Illness
Targeted protection for the long-tail health risks unique to firefighters and EMS personnel.
Learn MoreGroup Term Life
Affordable group coverage that honors what your members and their families have committed to.
Learn MoreWorkers Compensation
Aggressive claims advocacy and return-to-work programs designed for hazardous-duty rosters.
Learn MoreHealth Insurance
Group medical plans tailored to small departments, mutual aid groups, and 911 centers.
Learn More“VFIS had a check cut in 72 hours and an instructor at our station the following week running an apparatus refresher. The state pool would still be opening the file.”
Chief D. Allen — County Fire Rescue, OK
Explore All Practice Areas
Built for the Frontlines
/01
Fire Departments
Career and volunteer fire departments face risks no standard carrier fully understands. We tailor coverage and loss-control programs around apparatus, station operations, and the people who run into the fire.
/02
EMS Agencies
Private and municipal EMS operations need protection that moves at the speed of a call. From ambulance fleets to patient-care liability, our programs are built around the realities of pre-hospital medicine.
/03
Rescue Squads
Water, swift-water, and technical rescue teams operate in high-consequence environments. We cover the specialized equipment, training exposures, and liability scenarios these missions create.
/04
911 Centers
Dispatch and communications centers are the first link in every emergency. Our coverage addresses telecommunicator liability, cyber exposure, and the unique stress and staffing risks of the comm floor.
/05
Specialty Teams
Hazmat, technical response, and regional task forces carry exposures that fall between the cracks of generic policies. We build programs around the specific missions and mutual-aid agreements your team operates under.
/06
Training Academies
Volunteer associations, regional academies, and live-fire training facilities have distinct liability profiles. We protect the instructors, recruits, and props that keep the next generation of responders ready.
Why VFIS
Why Departments Choose VFIS.
Four reasons chiefs, directors, and boards keep renewing with us — and keep recommending us to their mutual aid partners.
Every policy line, every endorsement, every rider is underwritten with one type of organization in mind — fire, EMS, rescue, and 911. No retail templates, no generic carriers learning your world on your dime.
Our Easy Process
A Process Built on Clarity
We strip away the complexity of department insurance. You get clear options, solid defense, and zero ambiguity — explained in plain English.
/01
Discovery Audit
We review your current policies, apparatus list, and roster to identify exposure gaps and overpayments.
/02
Carrier Negotiation
We leverage VFIS-backed national programs to secure rates state pools cannot match.
/03
Strategy Presentation
We present a side-by-side comparison of your options — including any state coverage you already carry.
/04
Ongoing Defense
We don't disappear after signing. We manage claims, train new members, and adjust coverage as your roster grows.
Training Program
We Train Your Team Before We Ask for Anything.
Insurance is what we sell. Trust is what we build. VFIS departments get unlimited access to VFIS University — 250+ accredited online courses on apparatus operation, scene safety, leadership, and risk — plus on-site instructor visits at your station, on your schedule.
250+
Online courses
ISO
Credit-eligible
On-site
Instructor visits
$0
To your department
Choose Your Path
Where Would You Like to Start?
Three doors in. Pick the one that matches what your department needs first — coverage, proof, or training.
Our Products
Six specialty coverage lines built around fire, EMS, rescue, and 911 — from apparatus to cancer riders.
ExploreOur Benefits
See exactly what changes the day VFIS joins your department, side-by-side with your state or county program.
ExploreTraining & Resources
Unlimited VFIS University access, on-site instructor visits, and a risk library — free for every department we work with.
ExploreVFIS vs. Other Companies
“We Already Have State Coverage. Why Pay for VFIS?”
State and county programs are a baseline — not a strategy. Here's what changes the day you bring VFIS in alongside (or instead of) your government policy.
Option A
Government Insurance
Free at the point of use. Built to satisfy a statute, not your roster.
- Cost to your departmentFree / state-funded
- Coverage tailored to your apparatus & roster
- Average claim turnaround60–180 days
- Dedicated claims advocate
- Loss control & on-site risk reviews
- Free training program for your members
- Coverage for off-duty injuries
- Local rep who answers their phone
Recommended
Option B
VFIS
Private, specialty insurance. Built around emergency services from day one.
- Cost to your departmentPrivate premium
- Coverage tailored to your apparatus & roster
- Average claim turnaroundDays, not months
- Dedicated claims advocate
- Loss control & on-site risk reviews
- Free training program for your members
- Coverage for off-duty injuries
- Local rep who answers their phone
Burrows Agency
Need Coverage Outside of Emergency Services?
VFIS is one division of Burrows Agency. The full Burrows team handles commercial, municipal, healthcare, school, and ministry programs across Oklahoma and Arkansas.
Visit Burrows AgencyTestimonials
Hear From Our Clients
Don't take our word for it. Hear from the chiefs and directors who run the rigs.
“When one of our trucks rolled, VFIS had a check cut in 72 hours and an instructor at our station the following week running an apparatus refresher. The state pool would still be opening the file.”
Chief D. Allen
County Fire Rescue, OK
“Our cancer rider through VFIS paid out twice last year. That money went to families. You can't put a state acronym on that kind of relationship.”
Captain L. Vance
Volunteer Fire Dept., AR
“We were told we couldn't afford private coverage. Burrows showed us how to layer VFIS on top of our state policy and we ended up paying less, not more, for actual protection.”
Director S. Jenkins
EMS Agency, OK
“VFIS University trained 22 of our members last quarter. Free. The next quote we got from VFIS reflected the lower loss profile. That's how it's supposed to work.”
Chief M. Thorne
Municipal Fire, AR
“When one of our trucks rolled, VFIS had a check cut in 72 hours and an instructor at our station the following week running an apparatus refresher. The state pool would still be opening the file.”
Chief D. Allen
County Fire Rescue, OK
“Our cancer rider through VFIS paid out twice last year. That money went to families. You can't put a state acronym on that kind of relationship.”
Captain L. Vance
Volunteer Fire Dept., AR
“We were told we couldn't afford private coverage. Burrows showed us how to layer VFIS on top of our state policy and we ended up paying less, not more, for actual protection.”
Director S. Jenkins
EMS Agency, OK
“VFIS University trained 22 of our members last quarter. Free. The next quote we got from VFIS reflected the lower loss profile. That's how it's supposed to work.”
Chief M. Thorne
Municipal Fire, AR
“When one of our trucks rolled, VFIS had a check cut in 72 hours and an instructor at our station the following week running an apparatus refresher. The state pool would still be opening the file.”
Chief D. Allen
County Fire Rescue, OK
“Our cancer rider through VFIS paid out twice last year. That money went to families. You can't put a state acronym on that kind of relationship.”
Captain L. Vance
Volunteer Fire Dept., AR
“We were told we couldn't afford private coverage. Burrows showed us how to layer VFIS on top of our state policy and we ended up paying less, not more, for actual protection.”
Director S. Jenkins
EMS Agency, OK
“VFIS University trained 22 of our members last quarter. Free. The next quote we got from VFIS reflected the lower loss profile. That's how it's supposed to work.”
Chief M. Thorne
Municipal Fire, AR
FAQs
Common Questions
Clear answers about how VFIS operates and what your department gets.
VFIS (Volunteer Firemen's Insurance Services) is the largest specialty insurance, training, and consulting program for emergency service organizations in North America. We are the authorized VFIS division of Burrows Agency for Oklahoma and Arkansas — the people you actually deal with locally.
Final CTA Banner
When You Need Us, We've Already Trained Your Crew.
Discovery audit and side-by-side comparison against your current coverage. No cost, no obligation.