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Volunteer Firefighting & “Junior Firefighters”: What Your Department Should Know*

Perhaps no other area of the fire service law has more misconceptions and greater pitfalls than the sponsoring of youth programs within a volunteer fire department. This article is the first of a two-part series intended to identify and explain the differences in the types of youth programs recognized in the volunteer fire service in […]

Safety Survey

A few years ago we conducted a Safety Survey of our customers and compared our overall claims costs with the results of the survey. What we learned was that one of the greatest factor’s in reducing injuries was the resultant of having an effective Health and Safety Officer. Here are some helpful articles on Health […]

Fire Districts Mutual of New York earns AM Best Rating for second consecutive year

Fire Districts of New York Mutual Insurance Company, Inc. (FDMNY), has maintained its AM Best “A-” rating in the Financial Strength Rating and Issuer Credit Rating categories for a second consecutive year. “AM Best has assigned a Financial Strength Rating of ‘A-’ (Excellent) to FDMNY. The outlook assigned to these Credit Ratings (ratings) is stable,” […]

NEW EMFs for all NYS Employers (2023)

We have an important insurance update to share regarding all Workers Compensation and/or Volunteer Firefighter Benefits Law (VFBL) policyholders in New York State. This applies to all insurance companies and providers doing business in New York State. The New York Compensation Insurance Rating Board (NYCIRB) has implemented a new calculation this year to determine the […]

Important announcement regarding your workers compensation and VFBL coverages relating to the Covid-19 virus

Fire Districts of New York Mutual Insurance Company (FDM) is committed to our insureds and providing Workers Compensation (W/C) and Volunteer Firefighters Benefit Law (VFBL) coverage needed not only difficult times like this, but every day. Our policies cover for exposure to infectious diseases to any of your members who respond to a call your […]

The Risks of Self-Insured Pools

Self-Insuring for Workers’ Compensation has always been an option for New York businesses. If a business did not wish to purchase coverage from a traditional insurance carrier or the State Insurance Fund, employers had the option to either self-insure individually or join together with other like businesses and operate as a group self-insured trust. These […]

Lung Cancer Coverage

There have been questions raised recently regarding Lung Cancer being covered under VFBL, specifically, Section 11-c. Currently, there are 2 sections to 11-c, one addresses lung cancer, the other, newer one, addresses HIV. As it stands now, the section reads as follows: “ VFBL Section 11-C provides a presumption that any condition or impairment of […]