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Organizations We Serve
A Dispatch Center And A Rural Volunteer Department Need Almost Nothing In Common
Both are emergency services. Their exposures, their rosters, and their claims look nothing alike. We write each one separately rather than adapting a single template to fit them all.
Years Serving Oklahoma and Arkansas Emergency Services
Departments Protected
Claims Managed
Built Around Emergency Services
Built Around The Realities Of The Job
Apparatus that costs more than the station it sits in. Volunteer rosters that change every quarter. Mutual-aid agreements that put your members on someone else's incident. Presumptive cancer law that didn't exist a decade ago. These are the realities that shape every program we write.
Get a QuoteHow It Works
Our Easy Process
A process that respects the board, the chief, and the people who answer the call.
Get a Quote- 01
Discovery Audit
We walk the station, photograph and serial-number every apparatus and piece of equipment, and pull three years of loss runs before quoting a single line.
- 02
Program Design Around Your Model
Coverage is built around your operation, whether volunteer, combination, career, EMS, rescue, or 911, with apparatus, member benefits, A&S, and liability all integrated.
- 03
Side-By-Side Board Presentation
We deliver the proposal in person at a board or trustees’ meeting, with every coverage line compared against your current policy and the agreed-value math shown.
- 04
Bind, Train, Defend
We bind coverage, run an on-station briefing for every shift, and stand alongside the chief on every claim through settlement.
Who We Cover
Six Kinds Of Organization, Six Sets Of Exposures
The same insurance vocabulary cannot describe every emergency-service organization. Start with the model closest to yours.
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.
See CoverageEMS 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.
See CoverageSearch 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.
See Coverage911 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.
See CoverageSpecialty 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.
See CoverageTraining 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.
See CoverageWhy VFIS
The Specialty Difference Is In The Details
- Every policy line is written for one kind of organization: fire, EMS, rescue, and 911. You are not explaining apparatus replacement cost or mutual-aid exposure to someone learning it on your renewal.
- Emergency vehicles can be covered on an agreed value basis, with the value set for each vehicle when the policy is written. That removes the depreciation argument from the claim.
- Two offices, in Little Rock and Claremore, staffed by people who answer their own extensions. After hours, calls that cannot wait go to a direct line.
- Departments we insure get access to VFIS University and to in-person instructor visits at no additional premium.
VFIS 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
Other Companies
A commercial policy built to satisfy a statute — not the realities of emergency services.
- Apparatus valued on agreed value, not ACV
- Coverage tailored to volunteer, combination & career rosters
- Members covered on AND off duty
- Presumptive cancer & critical-illness riders
- Local claims advocate with authority to settle
- On-site loss-control & station walk-throughs
- Free VFIS University training for every member
- Average first claim responseWeeks to months
- Built specifically for emergency services
Recommended
Option B
VFIS
Private, specialty insurance. Built around emergency services from day one.
- Apparatus valued on agreed value, not ACV
- Coverage tailored to volunteer, combination & career rosters
- Members covered on AND off duty
- Presumptive cancer & critical-illness riders
- Local claims advocate with authority to settle
- On-site loss-control & station walk-throughs
- Free VFIS University training for every member
- Average first claim response< 48 hours
- Built specifically for emergency services
FAQs
Questions From Chiefs & Boards
The six questions departments ask most when they're deciding whether VFIS is the right fit for the kind of organization they run.
Most departments do. A combination department running EMS out of a fire station is common, and the policy is built around the full range of what you do rather than one label.
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.