Fire Departments
Career, combination, and volunteer fire departments — from single-station rural houses to multi-station career operations. Apparatus on agreed value, members covered on and off duty.
See CoverageOrganizations We Serve
Built for the Departments That Answer the Call.
Fire, EMS, rescue, and 911 organizations across Oklahoma and Arkansas — career, combination, and volunteer. If your members run emergency calls, VFIS was underwritten for you.
Years Serving Fire & EMS
50+
Responders Protected
14,000+
Organizations Served
1,200+
Built Around Emergency Services
Built Around the Realities of the Job.
Apparatus that costs more than the station it sits in. Volunteer rosters that change every quarter. Mutual-aid agreements that put your members on someone else's incident. Presumptive cancer law that didn't exist a decade ago. These are the realities that shape every program we write.
VFIS isn't a commercial carrier branching into emergency services on the side. It is the specialty program built for fire, EMS, rescue, and 911 since 1969 — the one most state pools were modeled after, written by the people who wrote it first.
Get a QuoteHow It Works
Our Easy Process.
Four steps designed so chiefs and boards make insurance decisions with the same clarity they expect from every other call they run — no jargon, no pressure, no surprises at renewal.
Get a Quote- 01
Discovery audit
We walk the station, photograph and serial-number every apparatus and piece of equipment, and pull three years of loss runs before quoting a single line.
- 02
Program design around your model
Coverage is built around how you operate — volunteer, combination, career, EMS, rescue, or 911 — with apparatus, member benefits, A&S, and liability all integrated.
- 03
Side-by-side board presentation
We deliver the proposal in person at a board or trustees meeting, with every coverage line compared against your current policy and the agreed-value math shown.
- 04
Bind, train, defend
We bind coverage, run an on-station briefing for every shift, and stand alongside the chief on every claim through settlement.
Who We Cover
Six Kinds of Organization. One Specialty.
Every program we write is underwritten with one kind of organization in mind — emergency services. No retail templates, no carriers learning your operation on your dime.
EMS Agencies
Private, municipal, and hospital-based EMS. Ambulance fleet on agreed value and patient-care liability written for pre-hospital medicine — not retail commercial auto.
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Rescue Squads
Water, swift-water, technical, and high-angle rescue teams operating specialized equipment under high-consequence mission profiles.
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911 Centers
Public-safety answering points and consolidated comm centers — telecommunicator liability, cyber exposure, and operations coverage built for the comm floor.
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Specialty Teams
Hazmat, USAR, tactical EMS, and task force teams. Mission equipment by serial, members covered across activation tiers, liability written across jurisdictions.
See Coverage
Training Academies
Fire, EMS, and rescue training academies — burn-building exposure on agreed value, instructor and student liability, and A&S drafted around live-fire training.
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Why Departments Choose VFIS
A Program Drafted for the Job.
Every program is underwritten for one kind of organization — fire, EMS, rescue, and 911. No retail templates, no carriers learning your operation on your dime.
Agreed-value apparatus and equipment schedules reviewed annually, so a rig is insured for what it costs to replace — not what it depreciated to.
A local claims advocate in Oklahoma or Arkansas with the authority to settle — not a 1-800 number that times out at six rings.
Unlimited VFIS University seats for every active member, tracked at the department level and fed into your annual renewal review.
The Difference
VFIS vs. Other Companies.
The same nine questions a chief should ask any carrier — and how a specialty emergency-services program answers them against a standard commercial policy.
Option A
Standard Carriers
A commercial policy built to satisfy a statute — not the realities of emergency services.
- Apparatus valued on agreed value, not ACV
- Coverage tailored to volunteer, combination & career rosters
- Members covered on AND off duty
- Presumptive cancer & critical-illness riders
- Local claims advocate with authority to settle
- On-site loss-control & station walk-throughs
- Free VFIS University training for every member
- Average first claim responseWeeks to months
- Built specifically for emergency services
Recommended
Option B
VFIS
Private, specialty insurance. Built around emergency services from day one.
- Apparatus valued on agreed value, not ACV
- Coverage tailored to volunteer, combination & career rosters
- Members covered on AND off duty
- Presumptive cancer & critical-illness riders
- Local claims advocate with authority to settle
- On-site loss-control & station walk-throughs
- Free VFIS University training for every member
- Average first claim response< 48 hours
- Built specifically for emergency services
FAQs
Questions From Chiefs & Boards.
The six questions departments ask most when they're deciding whether VFIS is the right fit for the kind of organization they run.
If your organization runs emergency calls — fire, EMS, rescue, or 911 — VFIS was built for you. We write programs for organizations from single-station volunteer companies of five members up to multi-station career departments with hundreds of personnel.
Ready When You Are
Find Out What Your Department Is Actually Paying For.
A no-obligation discovery audit puts your current policy side by side with a specialty program — apparatus, members, liability, and benefits — in plain English at a board meeting.