• On call to meet your needs, 24 hours a day!

    VFIS is the largest provider of insurance, education and consulting services to Emergency Service Organizations such as fire departments, ambulance and rescue squads, and 911 centers. They have a long history of helping the emergency service community protect their assets and manage their exposure to loss. They have pioneered the first tailored insurance package and formed a program for emergency service organizations. VFIS drafted the first specialized insurance policy in 1969 and continues to lead, insuring more Emergency Service Organizations in North America than any other provider.

  • Our services

  • VFIS is dedicated to serving the unique insurance and safety requirements of fire departments.

    What It Offers
    VFIS’ coverage is among the broadest available
    and includes:
    • Auto (owned, non-owned
    or commandeered)
    • General Liability ($1 mil per
    Occurrence/up to $10 mil Aggregate)
    - “Good Samaritan” liability
    - Professional health care liability
    • Management Liability (all volunteers & employees)

    - Cyber Liability and Privacy Crisis
    • Property (Guaranteed Replacement Cost)
    • Portable Equipment (Blanket Guaranteed Replacement Cost)
    • Excess Liability – with underlying continuity

    What It Includes
    • Real and Personal Property on a total
    blanket limit with Flood and Earthquake
    • Defense Expense outside the policy limits
    • Replacement Cost for buildings, real
    property, personal effects and more
    • Deductible Waiver for covered losses under Multiple VFIS Coverages
    • Separate coverage and limits for General Liability and Management Liability

    What It Features
    • Underwritten through an A.M. Best “A+”
    (Superior) rated insurance company
    • Nationally filed and available on an
    Admitted basis
    • Highly-experienced Claims Management
    • Access to innovative safety
    educational tools
    • Access to training programs and
    consulting services

    Read more

  • VFIS is dedicated to serving the unique insurance and safety requirements of fire departments.

    What It Offers
    VFIS’ coverage is among the broadest available
    and includes:
    • Auto (owned, non-owned
    or commandeered)
    • General Liability ($1 mil per
    Occurrence/up to $10 mil Aggregate)
    - “Good Samaritan” liability
    - Professional health care liability
    • Management Liability (all volunteers & employees)

    • Cyber Liability and Privacy Crisis
    • Property (Guaranteed Replacement Cost)
    • Portable Equipment (Blanket Guaranteed Replacement Cost)
    • Excess Liability – with underlying continuity

    What It Includes
    • Real and Personal Property on a total
    blanket limit with Flood and Earthquake
    • Defense Expense outside the policy limits
    • Replacement Cost for buildings, real
    property, personal effects and more
    • Deductible Waiver for covered losses under Multiple VFIS Coverages
    • Separate coverage and limits for General Liability and Management Liability

    What It Features
    • Underwritten through an A.M. Best “A+”
    (Superior) rated insurance company
    • Nationally filed and available on an
    Admitted basis
    • Highly-experienced Claims Management
    • Access to innovative safety
    educational tools
    • Access to training programs and
    consulting services

    Read more

  • VFIS offers a progressive portfolio of insurance protection and specialized services designed for 911 dispatching centers.

    Property
    • Guaranteed Replacement Cost
    Coverage for Buildings
    • Building Ordinance
    • Full Replacement for Personal Effects
    • Flood and Earthquake Coverage
    Portable Equipment
    • Guaranteed Replacement Cost
    Coverage
    • Replacement Cost for Members’
    Personal Effects
    Automobile
    • Liability Coverage
    • Physical Damage Protection —
    Agreed Value
    • Excess Coverage for
    Volunteers/Employees while acting on your behalf
    General Liability
    • Protects Volunteers/Employees when acting on your behalf
    • Protects Dispatching Personnel including failure or refusal to
    dispatch and dispatching errors
    Professional Health Care Liability
    • Good Samaritan Acts Coverage
    • False Arrest and Slander Coverage
    Management Liability
    • Employment-Related Practices
    Coverage
    • Protects Volunteers/Employees when acting on your behalf
    • Coverage for Wrongful Acts
    Allegations including Limited Non-
    Monetary Damages
    • Excess Outside Directorship Coverage
    • Cyber Liability and Privacy Crisis
    Management Expense Coverage
    Excess Liability
    • Excess Liability over Automobile
    Liability, General Liability, and
    Management Liability
    • Up to $10,000,000
    Accident and Sickness
    Group Term/Long-Term Disability
    Education and Training Services
    Consulting
    • Growth Management/Impact Studies
    • Mergers and Consolidations
    • Risk Assessment

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  • Our preferred insurance carriers provide coverage forms that are tailored specifically for the public entity market segment. Having served the Municipal Insurance market for over 35 years, we are pleased to continue to offer their products and services from Allied World, EMC, One Beacon, and Travelers to public entities throughout Kentucky.

    We have FULLY INSURED PROGRAMS therefore no client will ever have the possibility of being assessed for additional premiums due to the claims presented by another Municipality. Our Insurance Services offer a progressive portfolio of insurance protection and specialized services designed for Public Entity clients:

    Municipalities up to 75,000 Population

    This program is underwritten on behalf of an “A+” (Superior) carrier.

    • Property
    • General Liability
    • Automobile
    • Crime
    • Inland Marine
    • Public Officials & Management Liability including:
    o Cyber Liability
    o Privacy Crisis Management Expense
    o Employment Practices Liability
    o Employee Benefits Liability
    • Law Enforcement Activity Liability
    • Excess Liability

    Read more