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 / Fire Departments
Protecting Arkansas' Fire Departments, Inside And Out
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.
Fire Departments Served
Years of Specialty Focus
Average Claim Response
The Fire Departments Practice
Arkansas Fire Services. Every Department. Complete Coverage
Volunteer departments are the foundation of this program. As full-time and career departments developed alongside them over the years, VFIS of Arkansas grew in step with the fire service itself. We are committed to supporting the service and protecting the members who volunteer their time and assume personal financial risk every time they respond. Whether your department is career or volunteer, you have access to the full scope of coverage we provide.
Mayors and city managers across Arkansas rely on this program to complete their city's coverage. One of the most common reasons is depreciation: the program can eliminate depreciation on equipment and apparatus, ensuring a twenty-year-old engine is not settled at a fraction of its value. Coverage is structured to match the level your department requires.
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, roster changes, 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
VFIS pioneered specialized insurance for America's fire departments over fifty years ago. We remain just as dedicated today, delivering holistic protection, responder training, and safety-forward solutions built for the fire service.
Every pumper, tanker, brush truck, command vehicle, and reserve apparatus is scheduled on an agreed-value basis. When a 2009 engine rolls, you don't argue depreciation; the check matches what we agreed at binding.
Why VFIS for Fire Departments
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.
- Specialized expertise. Every policy line is written exclusively for fire, EMS, rescue, and 911 organizations. You won't spend your renewal explaining apparatus replacement cost or mutual-aid exposure to someone learning it for the first time.
- Agreed value coverage. Emergency vehicles can be covered on an agreed value basis, with the value established for each vehicle at the time the policy is written. That removes depreciation disputes from the claims process.
- Local, accessible service. Two offices, located in Little Rock and Claremore, are staffed by professionals who answer their own extensions. After-hours calls that cannot wait are routed directly to a live contact.
- Training included. Departments we insure gain access to VFIS University and in-person instructor visits at no additional premium.
FAQs
Questions From Fire Departments Leaders
The four questions chiefs, directors, and boards in fire departments ask most before moving a program to VFIS.
Members are covered for liability and physical damage when using their personal vehicles on behalf of the department. Personal effects, including watches, phones, and eyeglasses, are covered up to a set limit, whether at home, in transit, or at the station.
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.