Working Hand in Hand with WV
Volunteer Fire Departments

Bill Bailey Insurance Works with Volunteer Fire Departments
West Virginia’s volunteer fire departments have a partner in Bill Bailey Insurance Agency. The Volunteer Fire Insurance Service (VFIS) offers a progressive portfolio of insurance protection and services designed especially for emergency service organizations. Since 1980, Bill Bailey Insurance Agency/VFIS of WV has worked hand in hand with West Virginia’s Volunteer Fire Departments in protecting families and homes in all 55 counties of our beautiful state. Call Bill Bailey Insurance today at (304) 375-4900 or message us online with any questions.

Commitment to Emergency Medical Service (EMS) in West Virginia
Can Your Emergency Service Benefit from VFIS?

Bill Bailey Insurance/VFIS and Fire Departments and Ambulance Services
Many clients ask us about the benefits of VFIS coverage. VFIS coverage is among the broadest available and includes such features as:
• Auto (owned, non-owned, or commandeered)
• General Liability ($1 mil per Occurrence/up to $10 mil Aggregate)
• “Good Samaritan” liability
• Professional health care liability
• Management Liability (all volunteers & employees) – Cyber Liability and Privacy Crisis
• Property (Guaranteed Replacement Cost)
• Portable Equipment (Blanket Guaranteed Replacement Cost)
• Excess Liability – with underlying continuity
VFIS Coverage for Fire and Ambulance Also Includes
• Real/Personal Property on a total blanket limit with Flood & Earthquake
• Defense Expense outside the policy limits
• Replacement Cost for buildings, real property, personal effects
• Deductible Waiver for covered losses under Multiple VFIS Coverages
• Separate coverage and limits for General Liability/Management Liability
VFIS Coverage for Fire and Ambulance Also Includes
• Underwritten through an A.M. Best “A+” (Superior) rated insurance company
• Nationally filed and available on an Admitted basis
• Highly-experienced Claims Management
• Access to innovative safety educational tools
• Access to training programs and consulting services
VFIS for 911 Centers and Rescue Centers in West Virginia
VFIS for 911 Centers and Rescue Centers Covers
Property
• Guaranteed Replacement Cost Coverage for Buildings
• Building Ordinance
• Full Replacement for Personal Effects
• Flood and Earthquake Coverage Portable Equipment
• Guaranteed Replacement Cost Coverage
• Replacement Cost for Members’ Personal Effects
Professional Health Care Liability
• Good Samaritan Acts Coverage
• False Arrest and Slander Coverage
Excess Liability
• Excess Liability over Automobile
• Liability, General Liability, and Management Liability
• Up to $10,000,000
Accident and Sickness Group Term/Long-Term Disability
Education and Training Services Consulting
• Growth Management/Impact Studies
• Mergers and Consolidations
• Risk Assessment
Automobile
• Liability Coverage
• Physical Damage Protection — Agreed Value
• Excess Coverage for Volunteers/Employees while acting on your behalf
General Liability
• Protects Volunteers/Employees when acting on your behalf
• Protects Dispatching Personnel including failure or refusal to dispatch and dispatching errors
Management Liability
• Employment-Related Practices Coverage
• Protects Volunteers/Employees when acting on your behalf
• Coverage for Wrongful Acts Allegations including Limited Non-Monetary Damages
• Excess Outside Directorship Coverage
• Cyber Liability and Privacy Crisis Management Expense Coverage
For more information on coverage for other municipal offices, schools, and public utilities, please see our Public Service District page.