We Walk Your Station
We review your apparatus list, portable equipment, roster, and mutual-aid agreements in person before quoting anything.
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Organizations We Serve / EMS Agencies
Ambulance Coverage Trusted By EMS Services For Over 40 Years
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.
EMS Agencies Served
Years of Specialty Focus
Average Claim Response
The EMS Agencies Practice
The Exposures That Are Specific To Running Ambulances
EMS operations carry exposures that fall outside a standard commercial auto and liability program. Patient care creates professional healthcare and Good Samaritan liability. Ambulance fleets need physical damage on an agreed value basis. Portable equipment leaves the station on every call and has to be covered when it does.
Association support: VFIS of Arkansas is a proud supporter of the Arkansas EMT Association.
Get a QuoteHow It Works
From First Call To Bound Program
Four steps, no surprises, and a plain-English comparison against whatever you carry now.
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.
We Build The Program Around The Gaps
Coverage is assembled line by line for your organization, not selected from a package tier.
We Stay On It After Binding
Claims, questions, new apparatus, and member training are handled by the same local team that wrote the policy.
What's Inside the Program
The Coverage, Without The Jargon
One policy covers property, equipment, ambulances, liability, and board liability, designed by people who understand what you require.
Every ambulance, supervisor unit, and reserve vehicle is scheduled on an agreed-value basis. When a unit is totaled, there's no argument over depreciation; the settlement matches the value agreed upon at binding, including the box, mounts, and installed equipment.
Why VFIS for EMS Agencies
The Specialty Difference
What you get that a standard carrier cannot offer: underwriters who already know the exposures, apparatus insured at a value you agree to up front, a local office instead of a call center, and training included, not sold separately.
- 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.
FAQs
Questions From EMS Agencies Leaders
The four questions chiefs, directors, and boards in ems agencies ask most before moving a program to VFIS.
Property and Casualty (P&C) insurance helps fire departments, EMS agencies, and other emergency service organizations (ESOs) protect the various types of property they own. Our policies are also structured to help maintain your governmental tort protections.
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.