As the fire season heats up and calls for service remain constant, it’s a perfect time to shine a spotlight on the vital, yet often unsung, insurance coverage that protects a very special group of New Yorkers: our volunteer firefighters.
Here at FDM, we’ve had the honor of proudly insuring New York State’s volunteer firefighters since 1978. As New York’s premier provider of VFBL (Volunteer Firefighters’ Benefits Law) and associated Workers’ Compensation coverage, we know firsthand the immense importance of these protections for both the brave individuals who answer the call and the fire departments and districts they serve.
Why VFBL & Workers’ Comp are Non-Negotiable for Firefighters
Being a volunteer firefighter is a calling of selflessness and bravery. These dedicated individuals put themselves in harm’s way to protect their communities, often with little thought for their own well-being. But accidents can happen, and injuries, illnesses, or even worse, can be part of this demanding service.
This is where Volunteer Firefighters’ Benefits Law (VFBL) and Workers’ Compensation become absolutely critical.
- Protecting Our Heroes: VFBL provides essential benefits to volunteer firefighters who are injured or become ill in the line of duty. This can include medical expenses, lost wages (if they are unable to work their regular job), and even death benefits for their families. Without VFBL, a volunteer firefighter injured while fighting a blaze or responding to an emergency could face devastating financial burdens, adding insult to injury.
- A Safety Net for Families: The peace of mind that VFBL offers extends beyond the individual firefighter to their families. Knowing that there’s a safety net in place, should the unthinkable happen, allows volunteers to focus on their critical mission, rather than worrying about the financial fallout of an incident.
- Complementary Coverage with Workers’ Comp: For many fire departments and districts, Workers’ Compensation coverage works in tandem with VFBL, ensuring comprehensive protection. While VFBL specifically addresses the unique circumstances of volunteer firefighters, Workers’ Comp can cover other personnel or situations that may fall outside the strict definitions of VFBL, creating a robust and all-encompassing safety net for the entire department.
The Department’s Responsibility & Peace of Mind
For fire departments and districts, robust VFBL and Workers’ Compensation coverage isn’t just a good idea – it’s a fundamental responsibility and a cornerstone of effective operations.
- Attracting and Retaining Volunteers: In an era where volunteerism faces challenges, providing comprehensive benefits is a powerful tool for attracting and retaining dedicated firefighters. Volunteers are more likely to join and remain with a department that clearly values their well-being and provides tangible support.
- Financial Stability for the Department: Without proper insurance, a fire department or district could face immense financial strain from a single on-duty injury or illness. Lawsuits, medical bills, and lost productivity can quickly cripple a department’s budget and ability to serve the community. VFBL and Workers’ Comp transfer that risk, protecting the financial stability of the department.
- Focus on the Mission: When departments know its members are adequately protected, it can focus its resources and energy on training, emergency response, and community engagement, rather than being constantly concerned about potential liability or the financial implications of an incident.
FDM: Your Partner in Protection
We encourage all New York fire departments and districts to regularly review their VFBL and Workers’ Compensation coverage. Ask yourself: Are your volunteers fully protected? Is your department’s financial future secure?
At FDM, our entire mission is built around protecting those who protect us. With decades of specialized experience, we understand the unique needs and challenges faced by New York’s volunteer fire service. We’re here to help you navigate the complexities of VFBL and Workers’ Compensation, ensuring your department and your invaluable volunteers have the comprehensive coverage they deserve.
Make safeguarding the brave men and women who stand ready to answer the call, day or night, a top priority. Contact FDM today to discuss your coverage and ensure you’re providing the best possible protection for your heroes.