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Insurance Products
Six Coverage Lines Built Around How Emergency Services Actually Operate
Property and casualty, accident and sickness, cancer and critical illness, group term life, workers' compensation, and health. Each written for fire, EMS, rescue, and 911 organizations, not adapted from a commercial template.
Specialty Coverage Lines
Claims Response Target
Client Retention
Core Products
What Each Line Actually Pays For
Six programs. The short version of each is below, and the full coverage detail is on each page.
Property & Casualty
Buildings, vehicles, portable equipment, and the liability that comes with responding. Apparatus on an agreed value basis ensures you get what you need to replace your unit.
Learn MoreAccident & Sickness
Medical costs, weekly income, lump sum benefits, and death benefits when a member is injured or falls ill during a covered activity. Built for the situations where workers' compensation stops short.
Learn MoreCancer + Critical Illness
A one-time lump sum paid to the member after diagnosis, on duty or off. It covers everyone on your roster, and the diagnosis does not need to be connected to a call.
Learn MoreGroup Term Life
On and off-duty coverage for volunteers, career members, retirees, auxiliary members, administration, and board members. No medical questions to qualify, from age 14 up.
Learn MoreWorkers Compensation
Medical care, wage replacement, rehabilitation, and death benefits for members injured while performing their duties. Coverage is available to compensated members.
Learn MoreHealth Insurance
Group medical plans engineered for fire departments, ambulance services, and 911 centers include HSA-eligible high-deductible options, level-funded designs, and PPO networks that actually cover the rural hospitals your members drive past. We have multiple companies to choose from.
Learn MoreWho We Serve
Every Organization Here Has A Different Set Of Exposures
/01
Fire Departments
The VFIS program was built for the fire service and has been developed over 50 years around what departments and their volunteers actually need. For city and municipal departments, it can eliminate depreciation on equipment and apparatus entirely.
/02
EMS Agencies
VFIS has been the leading insurance provider for Arkansas ambulance services for more than 40 years, with many of our original clients insured with us to this day. Our ambulance coverage sets the standard by which all other insurance coverage is measured.
/03
Search And Rescue Squads
Water, swift-water, technical, and heavy rescue operations carry equipment and exposures that a commercial policy was never written to price. Rescue squads are named in the VFIS program alongside fire departments, EMS agencies, and 911 centers.
/04
911 Centers
Dispatch and communications centers require a coverage portfolio that a standard commercial policy simply cannot provide. VFIS is the trusted choice for 911 centers across Arkansas. Discover the difference for yourself.
/05
Specialty Teams
Hazmat units, technical response teams, K9 search and rescue, and regional task forces operate across jurisdictions and outside standard classifications. That is exactly where coverage gaps appear.
/06
Training Academies
Regional academies, volunteer associations, and live-fire training facilities carry a liability profile that does not match either a school or a fire department. Members in training are a named covered class under the program.
Our Easy Process
From First Call To Bound Coverage
Four steps, no surprises, and a plain-English comparison against whatever you carry now.
- 01
We Walk Your Station
We review your apparatus list, portable equipment, roster, and mutual-aid agreements in person before quoting anything.
- 02
We Compare It Against What You Have
You get a side-by-side of your current coverage and ours, with the gaps named and the exclusions written out.
- 03
We Build The Program Around The Gaps
Coverage is assembled line by line for your organization, not selected from a package tier.
- 04
We Stay On It After Binding
Claims, roster changes, new apparatus, and member training are handled by the same local team that wrote the policy.
Why Departments Choose VFIS
What You Get That A Standard Carrier Cannot Offer
VFIS isn't a commercial carrier branching into fire and EMS on the side. It is the largest specialty insurance, training, and consulting program for emergency service organizations in North America, and it has been since 1969.
Get a QuoteVFIS vs. Other Companies
How This Compares To A Standard Commercial Policy
Most general carriers can write a fire department. Very few write one that has read an NFPA standard.
Option A
State Pool
Free at the point of use. Built to satisfy a statute, not your roster.
- Cost to your departmentFree / state-funded
- Coverage tailored to your apparatus & roster
- Average claim turnaround60–180 days
- Dedicated claims advocate
- Loss control and on-site risk reviews
- Training program for members
- Coverage options for off-duty injuries
- Local representative
Recommended
Option B
VFIS
Private, specialty insurance. Built around emergency services from day one.
- Cost to your departmentPrivate premium
- Coverage tailored to your apparatus & roster
- Average claim turnaroundDays, not months
- Dedicated claims advocate
- Loss control and on-site risk reviews
- Training program for members
- Coverage options for off-duty injuries
- Local representative
FAQs
Choosing Between The Lines
The questions chiefs and boards ask most before they bring VFIS in alongside, or instead of, their current pool.
Most start with Property and Casualty for the station and apparatus, and Accident and Sickness for the members. Group Term Life and Cancer and Critical Illness are commonly added because they cover what the first two do not.
Ready When You Are
Bring The Specialty Difference To Your Fire Department
We invite you to reach out whenever you're ready to discuss how VFIS of Arkansas can support your organization's insurance and training needs. We understand your time is valuable, and we appreciate the opportunity to earn your business.