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Oklahoma fire and emergency services
VFIS · Oklahoma & Arkansas

Dedicated placement for first responder protections

Specific property, casualty, and distinct operational frameworks engineered for fire departments, EMS agencies, and rescue squads across Oklahoma and Arkansas.

40+Years in Business
11Team Members
2Office Locations
50+Local Civic & School Programs
About VFIS

The country's leading insurer for emergency service organizations.

Founded in 1969, VFIS (Volunteer Fire and Emergency Services) was created for one reason: to protect the people who run into the calls everyone else runs from. Today it is the largest provider of insurance, education, and consulting services to fire departments, EMS agencies, and rescue squads in North America.

Burrows Agency places VFIS programs for volunteer and combination departments across Oklahoma and Arkansas. We bring the carrier's deep specialty expertise together with the kind of in-state, in-station service that a national 1-800 line will never deliver.

Select your state below to see the programs, departments, and people we serve closest to home.

Choose your state

VFIS where you serve

Select your state to explore the VFIS programs, services, and resources tailored to the communities you protect.

Services in Oklahoma & Arkansas

Coverage built for regional terrain and weather exposures

Every district navigates distinct geographic risks, from grassland wildfires and timber lines to interstate corridors and tornado belts. Programs pair dedicated emergency markets with on-the-ground knowledge of state mutual aid and OSFA reporting cycles.

Property & Casualty (P&C)

Policy layers secure stations, grounds, vehicle bays, and administrative furniture against physical damage and natural disasters.

Agreed Value Auto

Fixed asset valuations protect engines, tankers, ambulances, and privately-owned vehicles without standard depreciation deductions.

Portable Equipment & SCBA

Scheduled lines secure breathing apparatus assemblies, thermal imagers, communication radios, and watercraft anywhere off-station.

General Liability

Protection structures insulate responders and personnel against operational liabilities, including professional healthcare malpractice and Good Samaritan acts.

Management Liability

Board members, chiefs, and trustees receive financial defense against allegations tied to administrative decisions, employment practices, and district governance.

Excess Liability

Supplemental policy layers extend baseline policy limits across primary automobile, general liability, and management lines.

Protecting municipal, rural, and sovereign emergency infrastructure

Our VFIS Process

A clear path from station to coverage

Every department transitions through a structured four-step evaluation cycle built around fiscal-year budgets and state reporting deadlines.

  1. Step 01

    Station Visit

    Technicians visit the station bay, inspect the physical apparatus, and meet with line officers to analyze daily run volumes.

  2. Step 02

    Exposure Review

    Benchmarking metrics analyze peer regional departments to isolate property valuation gaps missed by standard commercial agents.

  3. Step 03

    VFIS Placement

    Underwriters negotiate directly with VFIS program administrators to match coverage limits with district tax allocations.

  4. Step 04

    Year-Round Support

    In-state advisors manage mid-term apparatus changes, OSFA filings, and claims processing without utilizing automated call centers.

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Critical Operational Gaps

Addressing hidden exposures in standard policies

Typical commercial insurance packages often overlook the unique liabilities faced by first responders. This framework targets and resolves the six most common coverage shortfalls.

01
Depreciated Apparatus Valuations
Standard policies pay actual cash value for damaged vehicles, leaving districts short tens of thousands of dollars during a replacement.
02
Inadequate Portable Gear Limits
High-value gear like SCBAs, extrication tools, and thermal imagers frequently outgrow basic off-premises property limits.
03
Gaps in Workers' Compensation
Statutory state plans often fail to protect junior members, auxiliary staff, or pre-existing cardiac conditions.
04
Unprotected Board Management
Basic liability structures exclude defense costs for chiefs and trustees facing employment disputes or fiscal allegations.
05
Commandeered Property Liabilities
Standard general liability lines fail to properly cover physical damage to third-party equipment borrowed during an emergency response or mutual aid call.
06
Vulnerable Dispatch Infrastructure
Traditional policies rarely cover the ransomware and data breach exposures tied to modern ePCR and digital dispatch networks.
FAQS

Common VFIS questions.

The questions Oklahoma chiefs, trustees, and treasurers ask us most often. Tap any question to read more.

Yes, volunteer, career, combination, and fire protection districts meeting standard operational safety baselines can utilize the program.
No, this program acts as an independent, primary commercial lines setup that supplements state-level benefits, filling critical property and liability gaps.
Valuations are written on an agreed-value basis rather than actual cash value, ensuring departments receive the specified policy amount to replace an older apparatus.
No, departments can carve out their fire and EMS operations onto a dedicated VFIS policy while maintaining standard municipal coverages for non-emergency property.
Yes, retirement and retention plans are structured within the framework to match the specific tax rules of your local county or municipal jurisdiction.

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