Class-code & payroll audit prep
We pre-audit your payroll and roster against the carrier's class-code split every six months, so the year-end audit is a confirmation, not a renegotiation.
Get a QuoteInsurance Programs / Statutory Coverage
Workers Compensation Coverage.
Programs written under the correct fire and EMS hazardous-duty class codes, with aggressive claims advocacy and return-to-work design built for the realities of a roster that runs into burning buildings. No annual audit surprises, no class-code reshuffling mid-term.
- Correct hazardous-duty class codes
- Presumptive coverage & state-law interaction
- Return-to-work & light-duty design
Three coverage areas chiefs and HR directors should already understand — because workers comp surprises are mod-factor surprises a year later.
What's Inside Workers Compensation
The Coverage, Without the Jargon.
Three coverage areas chiefs and HR directors should already understand — because workers comp surprises are mod-factor surprises a year later.
Programs are written under fire/EMS-specific class codes (NCCI 7704, 7705, 7720 and state equivalents) from day one — so the audit at year-end matches the bind quote. We document apparatus operator versus station support payroll separately, the way the auditors expect to see it.
Bundled With Workers Compensation
The Services That Come With It.
Four services bundled with every Workers Compensation program — built so the mod factor goes down, not up, year over year.
Open-file claims review
A quarterly review of every open file with the carrier's adjuster on the call. Stale files are pushed to settlement or closure before they pollute the mod factor calculation.
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Light-duty placement playbook
A pre-built menu of light-duty assignments tailored to your station, fleet, and dispatch operation — so the return-to-work conversation starts the day after the injury, not the month after.
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Presumption documentation program
An exposure and response-history documentation program at the member level, so presumption claims have the baseline data they need to be accepted on the presumption — not denied for missing records.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so workers comp stops being the line item the board fights about every year.
01
Class-code & loss-history audit
We pull three years of loss runs, audit the current class-code split, and document the mod-factor drivers before quoting a single line.
02
Program design & light-duty integration
We design the program, build the light-duty placement playbook, and integrate the presumption documentation protocol into your apparatus check and dispatch logs.
03
Bind, train officers, and review quarterly
We bind coverage, train officers on the first-report process, and run a quarterly open-file review with the carrier so no claim ever sits stale long enough to hurt the renewal.
Why Workers Compensation With VFIS
The Specialty Difference.
A retail commercial workers comp underwriter learns hazardous-duty class codes on your dime. VFIS already wrote the underwriting model. Every program is priced against actual fire and EMS loss data, not a commercial template stretched to fit the application.
Presumption-law interaction, mod-factor drivers, light-duty playbook design, and the difference between a closed file and a settled file — all answered by an advocate who runs your quarterly review with the adjuster on the line.
Get a QuoteFAQs
Questions About Workers Compensation.
The four questions chiefs and boards ask most before binding Workers Compensation — or before switching it onto an existing VFIS account.
Every career, combination, and municipal-affiliated fire, EMS, rescue, and 911 organization in Oklahoma and Arkansas. Volunteer departments where state law extends statutory workers comp to volunteer responders are also eligible.
Ready When You Are
Bring Workers Compensation to Your Department.
A side-by-side comparison against your current workers comp policy, with a three-year mod-factor projection and the class-code split documented per line of payroll.