Property & Casualty
Apparatus, stations, equipment, and liability built around how emergency services actually operate.
Learn MoreInsurance Programs
Coverage Built for the Frontlines.
Six specialty product lines and a stack of supporting services — underwritten only for fire, EMS, rescue, and 911 organizations across Oklahoma and Arkansas.
Specialty Product Lines
6
First Claim Response
< 48h
Department Retention
98%
Core Products
Six Programs. One Specialty.
Every product 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 MoreIndustries We Serve
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.
Our Easy Process
From First Call to Bound Policy.
A four-step process designed so chiefs and boards make insurance decisions with the same clarity they expect from every other call they run.
- 01
Discovery Audit
We review your policies, apparatus list, and roster to map current coverage and surface exposure gaps.
- 02
Custom Program Design
We layer VFIS-backed national programs around what your state or county pool already covers — no duplication.
- 03
Side-by-Side Quote
You see every line of coverage compared against your existing policy in plain English, with the math shown.
- 04
Bind & Defend
We bind coverage, train your members, and stand alongside you on every claim through settlement.
Why Departments Choose VFIS
Not a Side Program. The Only Program.
VFIS isn't a commercial carrier branching into fire and EMS on the side. It is the largest specialty insurance, training, and consulting program for emergency service organizations in North America — and it has been since 1969.
That focus is the difference between a generic policy you have to translate and a program that already speaks your operational language — apparatus, mutual aid, hazardous duty class codes, presumptive cancer law, and everything else underwriters elsewhere learn on your dime.
Get a QuoteVFIS 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
FAQs
Questions Before You Quote.
The questions chiefs and boards ask most before they bring VFIS in alongside, or instead of, their current pool.
Career, combination, and volunteer fire departments; private and municipal EMS; rescue squads; 911 dispatch centers; and training academies. We write programs for organizations from single-station volunteer companies up to multi-station career departments.
Ready When You Are
Pick the Door That Fits Where You Are Today.
Whether you need a coverage conversation or a training partner first, we will meet you where your department is right now.