We’ve got great news for Fire Districts of NY Mutual Insurance Co., Inc. (FDM) policyholders:
Effective Oct. 1, 2024, you and your members will benefit from more competitive rates and lower VFBL (Volunteer Firefighters’ Benefits Law) premiums.*
That’s right; thanks to your efforts on health and safety, our policyholders’ claim experience is excellent and improving!
Now is the time to talk to your broker and FDM about your next VFBL and Workers’ Compensation proposal, and receive the benefits and service you deserve and pay the lower policy premiums* you have earned.
FDM was founded over 45 years ago by firefighters for firefighters across New York. Our policyholders own the company, and we protect those that protect us. We are subject matter experts for VFBL and Workers’ Compensation in New York, and we work with knowledgeable independent brokers to serve the fire service in New York. At FDM, the fire service IS our business.
Why wait to see if you receive a dividend next year (past performance does not guarantee future results)? Why gamble on whether you will be assessed an additional contribution after your policy year ends because your VFBL provider guessed your policy premium wrong?
Together with your insurance broker, FDM gives you peace of mind and policy premium without guesswork. We’ll offer you the best rate for the year upfront, guaranteed! If we get it wrong, it’s on us – not you. Therefore, we get it right!*
VFBL and Workers’ Compensation isn’t something you need to stress over when you partner with the experts. Your broker and FDM are glad to answer your questions on coverage, underwriting, claims service, or pricing, and to address any other concerns you may have.
Thank you to all our policyholders and to our brokers for your business! If you are not a current policyholder, please get in touch to learn more about how we can best serve your needs.
ROY DENNY MBA, CIC, CRM
EVP/COO at Fire Districts of NY Mutual Insurance Co., Inc.
845.352.8855 x7099
*Note that all Workers’ Compensation insurance policies are subject to payroll audits. Claims experience will change from year to year and every fire district has their own experience. FDM and our brokers understand that and work to give you the best rate we can for your VFBL and Workers’ Compensation coverages.
Fire Districts of NY Mutual Insurance Co., Inc. (FDM) consistently maintains its AM Best “A-” rating in the Financial Strength Rating and Issuer Credit Rating categories. The “A-” rating given by AM Best, one of the most preeminent rating organizations in the insurance industry, indicates that FDM has an excellent ability to meet its ongoing insurance financial obligations and has a stable outlook for the future.