About Us

We are Fire Districts of New York Mutual Insurance Company

FDMNY was founded in 1978 by a group of Fire Districts for the purpose of providing superior claims service to Volunteer Fire Service in New York.

Niche-Focused Experience

VFBL & Workers’ Compensation

We know the fire service!
We know the coverage!
We know the law!

FDMNY provides the maximum benefits allowable under New York State Volunteer Firefighters' Benefits Law/New York State Workers' Compensation Law, to our firefighters, both volunteer and paid and district personnel. Since VFBL and WC are our only lines of business, we bring a level of expertise to our policyholders second to none.

We believe that the last thing our brave firefighter/EMS personnel should have to worry about in their time of need is their insurance coverage. FDM provides coverage based upon 100% earning capacity for all its members' policyholders.

We are experienced and responsive, and here to process claims promptly and professionally. What's more is that we also keep your injured personnel and organization up to date on the status of claims. The seats on FDM's Board of Directors are filled by both officers from the Fire Districts we insure and outside directors. These Fire District directors and outside directors ensure that we are focused on providing the best possible service to our volunteers.

As a mutual company, we are owned by our policyholders. Working through the agent of your choice, we would be more than happy to provide you with a no obligation quote. Click here to Request A Quote. Or if you prefer, you or your agent can contact us at 888-314-3004 and ask for the Underwriting Department.


FDM has one of the highest retention rates in the P&C insurance industry.

Pricing Flexibility

With three insurance companies available to underwrite and price each account, you can be sure that we will provide you with a quote or policy appropriately priced for your District.


If something looks too good to be true … it usually is!

Know the policy and what it provides to your volunteers.

What Our Clients Have to Say:

"I enjoyed our conversation and firmly believe you and the rest of the staff at FDMNY have been some significant progress toward streamlining the process. Lenore Pearson-Vouitsis, as well as Jessyca are the young ladies I most often speak with but all of the staff have been very helpful. I appreciate their efforts to insure our injured members receive the best in prompt medical attention and financial assistance when needed."

Joe Sauerwein

Blue Point Fire District District Manager

Committed to protecting the volunteer firefighter community