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 68,085 firefighter injuries were reported in the US in 2015. Of these, 29,130 were injuries at the fireground. Fireground injuries occur at the fire emergency scene and the surrounding area. Non-fireground injuries are all other injuries that occur outside of the fireground. These include responding and returning from incidents, non-fire emergencies, training and other on-duty activities.

Some 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 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, workers’ compensation 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.

Learn more about our Member and Family Assistance Program

Our Carrier

Accident and Sickness coverage is underwritten by AIG, which has an A.M. Best rating of A (Excellent) with an XV financial size. 

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.
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