Welcome to Fire Districts of NY Mutual Insurance, Co. Inc.

Fire Districts Mutual is New York’s premier provider of VFBL (Volunteer Firefighters Benefits Law) and associated Workers Compensation coverage, proudly insuring more than 40% of the volunteer firefighters in the state. Since VFBL is our only business we bring an unmatched level of expertise to the districts we serve.

Organized in 1978 by members of the Association of Fire Districts of the State of New York in response to the poor claims service being given to their injured volunteers, Fire Districts Mutual exists to provide exceptional claims service to volunteers injured in the line of duty. They deserve no less.

By company charter, 9 of the 13 seats on our Board of Directors are filled by Fire Commissioners or Officers from the districts we insure. These commissioner directors make sure we keep our focus on providing the best possible claims service to our injured volunteers. As a mutual company owned by our policyholders, Fire Districts Mutual is proud to serve the volunteer community with the best claims service in the industry.

Working through the agent of your choice we would be happy to provide you with a no obligation quote. With our flexible rating and underwriting expertise you will be sure to get the best pricing your district deserves. To get things started click here to get to our “request for quote” page, or if you prefer, you or your agent can contact us at 1-888-314-3004.