Volunteer Fire Insurance Service (VFIS)

VFIS offers a progressive portfolio of insurance protection and specialized services designed for emergency service organizations.

Since 1980, Bill Bailey Insurance Agency/VFIS of WV has worked hand in hand with West Virginia’s Volunteer Fire Departments in protecting families and homes in all 55 counties of our beautiful state.

Our commitment to properly limiting the risks involved in Emergency Medical Service response in West Virginia has lead to long term partnerships with many of our State’s best providers. From the largest to the smallest entity, we are a valued friend and resource.

As the leader in emergency service insurance for more than three decades, we have made it a point to provide our customers with quality education, risk control, and management programs. From training to trouble shooting, VFIS of WV helps emergency service organizations become better prepared for every call.


Fire Departments & Ambulance Services

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


911 Centers and Rescue Centers

• 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
• 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