Fire Districts of New York Mutual Insurance Co., Inc. (FDM) has earned the prestigious Demotech Stakeholder Team Accomplishment Recognition (STAR) Award in the State Specialist category. This award marks the first time that FDM has earned this honor. “We are thrilled to be one of the select companies receiving this recognition for our ability to […]
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Fire Districts of New York Mutual Insurance Co., Inc. Receives Demotech 2024 Stakeholder Team Accomplishment Recognition™ (STAR) Award
Workers’ Compensation for Other Volunteers – Not Applicable to Volunteer Firefighters
Volunteer Firefighters’ Benefits Law (VFBL) is statutory law in New York and specifies coverage and compensability for active member volunteer firefighters while performing firefighting activities “in the line of duty.” Ultimately, VFBL is administered by the New York Workers’ Compensation Board. VFBL is subject to all rules, regulations, and claims administration processes as mandated by […]
Fire Districts of New York Mutual Insurance Co., Inc. Maintains “Excellent” AM Best Rating
Fire Districts of New York Mutual Insurance Co., Inc. (FDM) has maintained its AM Best “A-” rating in the Financial Strength and Long-Term Issuer Credit Rating categories for the fourth consecutive year. “AM Best has assigned a Financial Strength Rating of ‘A-’ (Excellent) and a Long-Term Issuer Credit Rating of ‘A-’ (Excellent) to FDM. The […]
Smoke Alarm Information
Smoke alarms save lives. Smoke alarms that are properly installed and maintained play a vital role in reducing fire deaths and injuries. Fire spreads fast—working smoke alarms give you early warning so you can get outside quickly. Smoke Alarm Use in the United States When working smoke alarms are present in your home, the risk […]
Self Insurance Vs. FDM: What are the Advantages?
Taking good care of your volunteers and employees and maximizing your department’s finances are critical to your success. It is important to understand the “Pros and Cons” of whether to choose a self-insurance program or insurance through Fire Districts of NY Mutual Insurance Co., Inc. (FDM) for Volunteer Firefighters’ Benefits Law (VFBL) and Workers’ Compensation […]
Important Update Regarding Your VFBL Policy for 2025
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! […]
Six Ways to Be a More Heart-Healthy Firefighter this Year
Cardiovascular disease is the number-one killer of firefighters nationwide and is by far the leading cause of line-of-duty deaths in the fire service. According to the International Association of Firefighters, more than 12 percent of all firefighters will develop heart disease at some point in their lives. Even young and healthy firefighters suffer from hardened […]
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Changes to the Experience Rating Program Explained
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