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Online enrollment for every new recruit, with beneficiary updates the chief doesn't have to chase paper for at every quarterly meeting.
Get a QuoteInsurance Programs / Member Benefits
Accident & Sickness Coverage.
Twenty-four-hour benefits that follow your members off the apparatus floor. Weekly indemnity, medical reimbursement, accidental death and dismemberment, and an off-duty endorsement most state pools either exclude outright or sub-limit to a number that won't make a mortgage payment.
- On-duty and off-duty, 24/7
- Weekly indemnity & medical reimbursement
- AD&D and line-of-duty benefits
What an A&S policy actually does the day a member gets hurt — written so the family doesn't need a lawyer to read it.
What's Inside Accident & Sickness
The Coverage, Without the Jargon.
What an A&S policy actually does the day a member gets hurt — written so the family doesn't need a lawyer to read it.
Coverage follows your members whether they are on the apparatus, at home, or working a second job. Off-duty inclusion is the gap most county and state pools either exclude or sub-limit to $5,000 — we write it on a parity basis with on-duty.
Bundled With Accident & Sickness
The Services That Come With It.
Four services bundled with every Accident & Sickness program — built so a benefit gets paid in days, not months.
Direct-to-member claims pay
Weekly indemnity wired to the member, not the department. The chief doesn't become a payroll desk for someone else's injury claim.
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Family support coordination
On a line-of-duty event, our advocate coordinates with PSOB, the IAFF or NVFC, and your local family support program — so the family talks to one person, not seven.
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Renewal claims review
An annual review of every open and closed file, so the department sees exactly where injuries are happening and what training would move the loss profile next year.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so the day a member gets hurt is not the first time anyone reads the policy.
01
Roster intake & exposure review
We onboard your full active roster, including auxiliary and probationary members, and document the off-duty exposure most pools quietly ignore.
02
Benefit design & buy-up options
We design a base benefit the department funds and a member-paid buy-up tier, so individuals can scale coverage to family needs without budget pressure on the department.
03
Bind, train, and stay ready
We bind coverage, train officers on the claim intake process, and run a 30-minute drill so the first reportable injury isn't the first time anyone touches the form.
Why Accident & Sickness With VFIS
The Specialty Difference.
Most retail accident policies were drafted for restaurant kitchens and construction crews. Off-duty exposure, presumptive cancer, and stacking with workers comp are afterthoughts. Our A&S programs were drafted with line-of-duty death and 24-hour exposure as the starting assumption.
Volunteer pay rates, combination-department duty schedules, mutual-aid deployments, and the difference between an A&S claim and a workers comp claim — all answered by an advocate who has run the form a thousand times.
Get a QuoteFAQs
Questions About Accident & Sickness.
The four questions chiefs and boards ask most before binding Accident & Sickness — or before switching it onto an existing VFIS account.
Every active member on your roster — career, combination, volunteer, auxiliary, probationary, and life member where the bylaws allow. Coverage starts the day the member is added to the roster, not the next billing cycle.
Ready When You Are
Bring Accident & Sickness to Your Department.
A side-by-side comparison of Accident & Sickness against your current member-benefits line, with weekly indemnity, off-duty inclusion, and AD&D modeled at three benefit tiers.