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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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Insurance Programs / Property and Casualty
Coverage For The Station, The Apparatus, And Everything You Carry To A Scene
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.
- Buildings
- Apparatus
- Portable Equipment
- Board Liability
- General Liability
- Crime / Bond
- Excess Liability
Seven coverage parts make up the program: property, automobile, portable equipment, general liability, management liability, crime / bond, and excess liability. Each is written for emergency service organizations that run apparatus and respond to emergencies, which is why the exclusions look different from a commercial policy.
What's Inside Property & Casualty
The Coverage, Without The Jargon
Seven coverage parts make up the program: property, automobile, portable equipment, general liability, management liability, crime / bond, and excess liability. Each is written for emergency service organizations that run apparatus and respond to emergencies, which is why the exclusions look different from a commercial policy.
Covers the station and what is in it. Buildings, machinery, equipment, furniture, office equipment, base stations, air cascade units, exterior signs, and permanently installed fixtures. Coverage extensions include guaranteed replacement cost and building ordinance.
In Addition to Property & Casualty
We Have Everything You Will Need
Additional insurance offerings help protect your people alongside your property and casualty program, including Workers' Compensation, Health Insurance, Accident & Sickness, and Cancer + Critical Illness. The policy also comes with a coverage review at your station, emergency vehicle driver training, and local claims handling from the Oklahoma or Arkansas office.
Workers Compensation
The backbone of any emergency service is its people. Workers' compensation is what protects them financially if they are hurt doing the job, and it is the most important coverage a department can have.
Get a QuoteHealth Insurance
When you're looking to provide a robust benefits package to your members, health insurance is your first stop. Benefits like health insurance lead to better employee retention.
Get a QuoteAccident & Sickness
Provides benefits to emergency responders and their families to help lessen the financial impacts of potential injuries when workers' compensation isn't enough.
Get a QuoteCancer + Critical Illness
We offer a Critical Illness product to help provide coverage for cancers and illnesses that are not addressed by traditional Accident & Sickness and Workers' Compensation policies. This coverage includes financial benefits for members who suffer from heart attacks, strokes, kidney failure, and cancer. It includes all members of an emergency service organization.
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 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.
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We Build The Program Around The Gaps
Coverage is assembled line by line for your organization, not selected from a package tier.
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All Year Long Service
We strive to be a benefit to you and your service all year with training and expert guidance.
Why Property & Casualty With VFIS
The Specialty Difference
Every policy line is written specifically for fire, EMS, rescue, and 911 organizations. You won't find yourself explaining apparatus replacement costs or mutual-aid exposure to someone encountering these concepts for the first time at renewal. Our office serves nearly 1,000 emergency services organizations and engages daily with the issues and needs unique to this field.
VFIS was founded in 1969 and is the industry leader in insurance for emergency services. Our office has partnered with VFIS since 1984, and we are confident that no other agency can match the level of expertise we bring to our clients.
Get a QuoteFAQs
Questions About Property & Casualty
The four questions chiefs and boards ask most before binding Property & Casualty or adding it to an existing VFIS account.
You and VFIS agree on a value for each vehicle when the policy is written. If the vehicle is a total loss, that is the figure in play, rather than a depreciated market value calculated after the fact.
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.