Coverage available with VFIS of Oklahoma
General Liability Insurance for Fire Departments & Emergency Services
General liability insurance protects your emergency organization when a person is injured or a person's property is damaged as a result of an occurrence that's not automobile-related.
This insurance covers Good Samaritan liability as well as medical malpractice liability. You also have protection when claims are made against you because of offenses such as slander or wrongful eviction.
Property Insurance for Emergency Service Organizations
Your station is an important part of the community. Our property policy is designed to include coverage extensions that provide your organization with the additional assurance of a broad insurance program.
Covered real property examples include:
Auto & Emergency Vehicle Insurance
Automobile and emergency vehicle insurance coverage consists of liability and physical damage coverages. Automobile liability coverage protects your organization when a person is injured or a person's property is damaged as a result of an occurrence that's automobile-related.
When emergency vehicles, such as fire trucks and ambulances, are covered for physical damage coverage on an agreed value basis, you choose the agreed value for each vehicle.
Portable Equipment Insurance Coverage
Portable equipment helps emergency responders get the job done. With blanket coverage, VFIS covers your organization's equipment without limit at the station, at an emergency scene, anywhere.
Portable equipment insurance covers turnout gear, hoses, thermal imaging systems, radios/pagers, shovels, AEDs and backboards.
Management Liability and Directors and Officers Insurance
Lawsuits based on allegations of discrimination, wrongful employee termination or sexual harassment, commonly referred to as employment-related practices, are becoming increasingly common for emergency service organizations, including volunteer organizations. Management liability insurance coverage will defend against such allegations and, in the event of an adverse judgment or settlement, pay on behalf of the organization and its employees, volunteers, officers, directors, trustees and commissioners.
Management liability insurance, through VFIS, covers all volunteers (whether or not they are members of your organization) and employees while acting on behalf of your organization.