Great Reasons to Insure Volunteer Fire Departments with Utica National!

With more than three decades of experience insuring volunteer fire departments (VFDs), our team understands the fire services community. Many of our VFD program employees are also volunteer firefighters, eager to extend extraordinary support to your VFD client. Our stability, know-how, coverages and pricing all add up to superior value for your customer. We can insure VFDs in the following states*: CT, DE, GA, IL, IN, KY, MA, MD, NC, NJ, NY, OH, PA, RI, SC, TN, TX, VA & WI.


* Workers Compensation not available


Specialty Coverages

  • Replacement cost for trucks including 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, plus additional defense coverage
  • Employee/Volunteer Benefits Liability
  • Auto Extension Endorsement
  • General Liability Extension Endorsement
  • VFD Turnout Gear - rental reimbursement
  • Cyber Liability coverage
  • Crisis Events Expense coverage
  • Drone Coverage


Comprehensive Risk Management Services

  • Exclusive free online learning for your VFD clients with TargetSolutions. Over 250 courses available 24/7 covering the latest fire and EMS training. Visit
  • Emergency Vehicle Operations Course (EVOC)*.


* Available in select states


High Claims Satisfaction

We have a 97% customer satisfaction score#, with claims reporting available 24/7. Our claims pros go to work when your customers need them most!

“The New Hartford Fire Department has had very few claims over the years and we've always been happy with the services Utica National has provided. One of our fire engines was involved in a property damage accident in 2014 and the truck was going to be out of service for a lengthy amount of time. Throughout the claims process, Utica National was there helping us to get back up-and-running to our full complement of apparatus. While no fire department wants to suffer a loss such as we incurred, the professional and competent customer service from Utica National was excellent.”


Chief Thomas Bolanowski

New Hartford Fire Department
New Hartford, New York

# Claimant survey reults for calendar year 2015