Americas Leading Insurer of Emergency Organizations

Emergency Personnel & Firefighter Insurance Benefits

At VFIS, we understand the unique needs of today's emergency service organizations, including volunteer fire departments, ambulance and rescue squads and 911 centers and recognize the importance of protecting your assets and your members/employees. Today, we're the world's largest provider of insurance to the North American emergency service community.

Learn more about our insurance coverages below.

accident and sickness insurance - firefighters

Accident & Sickness Insurance

Protect your members for protecting their community. Accident & Sickness coverage provides critical benefits to fill gaps and complement workers' compensation. Learn more about Accident & Sickness insurance for firefighters and emergency personnel.

auto insurance - fire trucks - ambulance

Auto Insurance Coverage

Learn more about our automobile liability insurance for emergency service organizations including coverage for fire trucks, ambulances and emergency responders' privately owned vehicles (POVs).

general liability insurance

General Liability

General liability insurance offers peace of mind in helping to protect your emergency service organization from unavoidable situations. Learn more about general liability insurance from VFIS.

fire department property insurance

Property Insurance

Discover a broad property insurance program with a variety of covered real property and covered contents. Learn more about property insurance through VFIS.

portable equipment insurance - emergency service

Portable Equipment Insurance

Cover your organization's equipment without limit at the station, at an emergency scene, anywhere. Learn more about our portable equipment insurance and what is covered.

emergency service management liability insurance

Management Liability Insurance

Management liability insurance provides coverage for monetary damages arising out of a wrongful act committed by a volunteer, employee, officer, director, trustee or commissioner acting on behalf of your emergency service organization. Learn more about management liability insurance.

excess liability insurance - emergency services

Excess Liability Insurance

Extended insurance coverage for emergency service organizations is available through VFIS. Learn more.

group term life insurance for firefighters

Group Term Life Insurance

Help recruit and retain emergency service members with group term life insurance. Learn more about the coverages for this benefit.

specialty benefits for firefighters

Specialty Benefits

Protect volunteer and career personnel with added benefits including accidental death and dismemberment, medical and disability. Learn more about the specialty benefits offered through VFIS.


  • Agreed value for emergency vehicles
  • Guaranteed replacement cost for buildings and portable equipment
  • Deductible waiver for covered losses under multiple VFIS policies
  • Cyber liability and privacy crisis management expense coverage
  • Liability protection for volunteers/employees when acting on your behalf
  • Excess liability up to $10,000,000 available
  • Accidental death, illness, medical, heart and weekly disability benefits
  • Incentive tools for retaining, recruiting and motivating members
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