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Provide Us Information On Your Members
We review your membership and income considerations.
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Insurance Programs / Accident and Sickness
Coverage For The Gaps Workers' Compensation Leaves Open
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.
- Workers' Compensation only pays $20 a week
- Provides PTSD and counseling coverage
- Coverage for those who don't qualify for workers' compensation
Workers' compensation is often assumed to cover a member disabled on a call, and there are gaps in it that only become visible once a claim is filed. Accident and Sickness sits alongside workers' compensation and pays where it does not reach.
What's Inside Accident & Sickness
The Coverage, Without The Jargon
Workers' compensation is often assumed to cover a member disabled on a call, and there are gaps in it that only become visible once a claim is filed. Accident and Sickness sits alongside workers' compensation and pays where it does not reach.
Volunteers including paid-on-call, part-time paid members averaging under 25 hours weekly, junior members, members in training, auxiliary members, commissioners, directors and trustees, administrative personnel, deputized bystanders assisting during an emergency, and non-members asked by the organization to help. Career members averaging 25 hours or more weekly can be added.
Bundled With Accident & Sickness
Expand Your Coverage To Fit Your Needs
Optional additions to the base program include off-duty and 24-hour accident benefits, a career personnel rider, an organized team sports rider, and the Member Family Assistance Program.
Off-Duty And 24-Hour Accident Benefits
Extends death, dismemberment, vision loss, and paralysis benefits to off-duty injuries.
Get a QuoteCareer Personnel Rider
Extends the definition of member to paid employees averaging 25 hours or more weekly in a primarily volunteer organization.
Get a QuoteOrganized Team Sports Rider
Covers league sports, which are otherwise excluded.
Get a QuoteMember Family Assistance Program
Accident and Sickness policyholders can access counselors experienced in working with emergency service personnel, available to members, employees, volunteers and their families.
Get a QuoteHow It Works
From First Call To Bound Policy
Four steps, no surprises, and a plain-English comparison against whatever you carry now.
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We Obtain A Proposal
We evaluate your service and needs and put together a proposal based on your particular membership.
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We Build The Program Around The Gaps
Based on current workers' compensation or benefits, we find where it's all falling short and provide coverage for those gaps.
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We Present The Program And Get Coverage Started
We can present to management or your board and cover in detail all that the program can do.
Why Accident & Sickness With VFIS
The Specialty Difference
VFIS was first on the scene to create an insurance program specifically designed around the unique needs of fire and emergency services personnel. We continue to respond today by evolving to meet their changing needs. Because, much like our founder, caring for emergency responders isn't just something we do; it's who we are. It's more than our history; it's our roots.
When your volunteers are hurting and you need someone who understands your needs and concerns, VFIS of Arkansas is who you can trust.
Get a QuoteFAQs
Questions About Accident & Sickness
The five questions chiefs and boards ask most before binding Accident & Sickness or adding it to an existing VFIS account.
No. This is not a workers' compensation policy. Accident & Sickness covers gaps that workers' compensation leaves open, which is a separate vital function. Workers' Compensation is not designed to keep you financially together.
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.