• Insurance for Fire Departments

  • VFIS is dedicated to serving the unique insurance and safety requirements of fire departments.

    What It Offers
    VFIS’ coverage is among the broadest available and includes:
    • Auto (owned, non-owned or commandeered)
    • General Liability ($1 mil per Occurrence/up to $10 mil Aggregate)
    - “Good Samaritan” liability
    - Professional health care liability
    • Management Liability (all volunteers & employees)

    • Cyber Liability and Privacy Crisis
    • Property (Guaranteed Replacement Cost)
    • Portable Equipment (Blanket Guaranteed Replacement Cost)
    • Excess Liability – with underlying continuity
    What It Includes
    • Real and Personal Property on a total blanket limit with Flood and Earthquake
    • Defense Expense outside the policy limits
    • Replacement Cost for buildings, real property, personal effects and more
    • Deductible Waiver for covered losses under Multiple VFIS Coverages
    • Separate coverage and limits for General Liability and Management Liability
    What It Features
    • Underwritten through an A.M. Best “A+” (Superior) rated insurance company
    • Nationally filed and available on an Admitted basis
    • Highly-experienced Claims Management
    • Access to innovative safety educational tools
    • Access to training programs and consulting services