Personal Commercial Claims Safety Careers Company Contact Us Volunteer Fire Departments Find a trusted local agent Personal Commercial Agents' E&O Search With more than 30 years of experience insuring volunteer fire departments (VFDs), our team understands the fire services community. Many of our VFD program employees are also volunteer firefighters who are eager to extend extraordinary support to you. Our stability, know-how, coverages and pricing all add up to an excellent value. Types of business we insure: VFDs where the primary purpose is community firefighting. Volunteer departments with some paid staff are also eligible. Specialty coverage: Replacement cost for trucks including the fire chief’s vehicle Guaranteed replacement cost for firefighting equipment Emergency Operations Hazardous Materials Liability Disappearing deductible for claims over $10,000 Liquor Liability available in most states Errors & Omissions Liability Directors & Officers Liability Employee/Volunteer Benefits Liability VFD Turnout Gear – rental reimbursement Cyber Liability coverage Violent Events Expense coverage Comprehensive risk management services: Over 250 online courses with Vector Solutions covering the latest fire and EMS training for our VFD customers at no extra cost. Emergency Vehicle Operations Course (available in select states). Special safety and loss prevention website. Contact your local, trusted agent to learn more. Commercial Auto Dealers Auto Service Bonds Small Business Child Care Centers Contractors Craft Breweries Educational Institutions ERISA & Crime Program Errors & Omissions Founders Graphic Communications Libraries Light Manufacturing & Woodworking Premium Audit Professional Services Religious Institutions Restaurants Retailers Volunteer Fire Departments Wholesalers Workers Compensation Find An Agent Utica Mutual Insurance Company, its affiliates and subsidiaries, 180 Genesee St., New Hartford, NY 13413 © 2021 Copyright Utica Mutual Insurance Company Legal Notices For Agents Make a Payment