Americas Leading Insurer of Emergency Organizations

Accident & Sickness for Firefighters & Emergency Personnel

"It can't happen to me." That is what some emergency responders believe when it comes to line-of-duty injuries. But, the National Fire Protection Association (NFPA) reported more than 65,880 firefighter injuries occurred in the line of duty in 2013.

Other emergency personnel believe that workers' compensation will take care of their families' financial needs in the event of a service-related injury, illness or death.

Sadly, many learn that even in the few states/provinces with generous workers' compensation benefits, gaps exist. Waiting periods, maximum disability limits, pre-existing conditions and limits for heart conditions are just a few situations that can create economic impact due to limited benefits or claims denial. In addition, many states/provinces may exclude benefits for fundraising events, junior members and auxiliary members.

Don't rely solely on workers' compensation. Protect your members with VFIS Accident and Sickness coverage.

Find insurance applications here.

Our Carrier

Accident and Sickness coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 15th Floor, New York, New York, 10038. National Union Fire Insurance Company of Pittsburgh, Pa., has an A.M. Best rating of A (Excellent) with an XV financial size. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Find information on Canada and Washington.

Accident and Sickness Coverage Highlights:

  • All membership classes can be covered equally.
  • Normal duties, including travel to and from, covered activities

Benefit Highlights:

  • Loss of Life
  • Lump Sum Living – Impairment
  • Weekly Income – Total & Partial Disability
  • Occupational Retraining
  • Weekly Injury Permanent Impairment – Lifetime
  • Medical Expense
  • Transition
  • Felonious Assault
  • Home Alteration & Vehicle Modification

Optional: Hospital, First Week, Coordinated 28-Day, Extended Total, Long-Term Total, COLA, Extra Expense, 24-Hour Accident, Off-Duty Accident


This is only a brief illustration of our program and may contain unintentional inaccuracies of coverages not included in our quotations. Refer to the actual insurance policy for a description of coverages, exclusions and conditions. Coverage may not be available in all jurisdictions and is subject to actual policy language.