Apparatus appraisal
An annual agreed-value review of every rig in your fleet, so the schedule matches the truck, not the depreciation tables.
Get a QuoteInsurance Programs / Property & Casualty
Property & Casualty Coverage.
Apparatus, stations, equipment, and liability written exclusively for fire, EMS, rescue, and 911 organizations across Oklahoma and Arkansas. Built around agreed-value apparatus valuation and the real-world exposures of emergency response — not a retail commercial template stretched to fit.
- Apparatus & equipment on agreed value
- Station, liability & management endorsements
- What's not covered, in writing
Three coverage areas every chief and finance committee asks about first — written so anyone on your board can read the policy without a translator.
What's Inside Property & Casualty
The Coverage, Without the Jargon.
Three coverage areas every chief and finance committee asks about first — written so anyone on your board can read the policy without a translator.
Every pumper, tanker, rescue, and command vehicle is scheduled on an agreed-value basis — not actual cash value. When a 2009 engine rolls, you don't argue depreciation; the check matches what we agreed to at binding. Portable equipment is scheduled by serial number, including hose, SCBA, thermal imagers, and extrication tools.
Bundled With Property & Casualty
The Services That Come With It.
Four services bundled with every Property & Casualty program — at no additional premium, because they are the reason departments stay year after year.
Station loss-control walkthrough
An on-site audit from a VFIS risk specialist — bay floors, electrical, sleeping quarters, and PPE storage — scheduled around your duty crews.
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Local claims advocacy
A dedicated advocate in Oklahoma or Arkansas files, follows, and closes every claim with the carrier. First response under 48 hours, every time.
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ISO documentation support
We assemble the apparatus, training, and equipment records ISO asks for at every five-year review — so your rating reflects the work you actually do.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so chiefs and boards make property and casualty decisions with the same clarity they expect from every other call.
01
Apparatus & exposure audit
We walk the station, photograph and serial-number every piece of equipment, and review your mutual-aid agreements before quoting a single line.
02
Side-by-side program design
Every line of coverage is compared against your existing policy in plain English, with the math shown — agreed value vs. ACV, exclusions, sub-limits, all of it.
03
Bind, train, and defend
We bind coverage, train your members on what is and isn't covered, and stand alongside you on every claim through settlement.
Why Property & Casualty With VFIS
The Specialty Difference.
Generic carriers price apparatus the way they price a fleet of work trucks. VFIS prices it the way the manufacturer does — by component, on agreed value, with replacement-cost endorsements that hold up when a rig is totaled at a wreck three counties away.
Hazardous-duty class codes, mutual-aid endorsements, presumptive cancer interaction with liability, and the difference between an in-service and out-of-service apparatus claim — all underwritten by people who already know the answer.
Get a QuoteFAQs
Questions About Property & Casualty.
The four questions chiefs and boards ask most before binding Property & Casualty — or before switching it onto an existing VFIS account.
Career, combination, and volunteer fire departments; private and municipal EMS; rescue squads; 911 dispatch centers; and training academies. Single-station volunteer companies up to multi-station career departments — all qualify.
Ready When You Are
Bring Property & Casualty to Your Department.
A side-by-side comparison of every Property & Casualty line against your current policy, in plain English, with the agreed-value math shown for every rig in your fleet.