VFIS
VFIS, a York, Pennsylvania division of Glatfelter Insurance Group (owned by AIG), underwrites specialized Property & Casualty, Accident & Sickness, LOSAP, and specialty-benefits insurance for more than 30,000 fire, EMS, and 9-1-1 organizations across the US and Canada, distributing exclusively through 3,000+ independent agents backed by a proprietary training platform.
- Company typePrivate
- Founded1969
- HeadquartersYork, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What VFIS does
VFIS, founded in 1969 in York, Pennsylvania, is a specialty insurance program manager focused exclusively on emergency service organizations (ESOs) in the United States and Canada. It operates as a division of Glatfelter Insurance Group, which is itself owned by American International Group (AIG), and is the largest provider of insurance, education, and consulting services for fire departments, ambulance and rescue squads, and 9-1-1 communication centers in North America, serving more than 30,000 organizations through a network of 3,000+ independent agents and brokers.
The company underwrites a vertically tailored portfolio built around Property & Casualty coverage, Accident & Sickness insurance (designed to fill Workers' Compensation gaps for responders), a Length of Service Awards Program (LOSAP) for volunteer firefighters, and specialty benefits such as Group Term Life, Cancer and Critical Illness, and Accidental Death and Dismemberment. Core technology assets include a proprietary online learning platform (VFIS University) with an Instructor Portal for certified trainers, a Producer Center broker portal for policy and claims inquiries, and a training-materials e-commerce store — together forming a content-and-credentialing ecosystem around the insurance product (EVDT alone has trained 65,000+ emergency vehicle operators, and 354,000+ responders have been trained through VFIS programs since 2002).
The business model combines recurring subscription-style insurance premiums (priced per quote, billed annually) with fee-bearing training services and unit-priced training materials, all distributed through independent agents and supported by Regional Directors in approximately ten named states and a Canadian affiliate (CVIS, Inc.) in Toronto. Commercial traction is reinforced by sub-1.2% lapse rates and 97%+ account retention over the past three years, and by a VCOS-VFIS Recruitment & Retention Award co-administered with the IAFC's Volunteer & Combination Officers Section.
VFIS firmographics
Firmographics- Name
- VFIS
- Legal name
- VFIS
- Website
- https://vfis.com
- Company type
- Private
- Founded year
- 1969
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- VFIS, a York, Pennsylvania division of Glatfelter Insurance Group (owned by AIG), underwrites specialized Property & Casualty, Accident & Sickness, LOSAP, and specialty-benefits insurance for more than 30,000 fire, EMS, and 9-1-1 organizations across the US and Canada, distributing exclusively through 3,000+ independent agents backed by a proprietary training platform.
- Ownership category
- akta.pro rank
VFIS industry classification
Industry- Product category
- Specialty Insurance for Emergency Service Organizations
- NAICS
- Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120), Other Insurance Funds (52519)
- SIC
- Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Supplemental/Voluntary Group Term Life (Employee-Paid) (FSAIADAB)
- akta.pro secondary industry
- Directors & Officers (D&O) Liability (FSAJADAF)
Keywords
Where VFIS is headquartered
LocationHeadquarters
- HQ city
- York
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
VFIS business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Property & Casualty Insurance: Core P&C insurance products covering facilities, vehicles, apparatus, portable equipment (turnout gear, hoses, thermal imaging cameras, radios, AEDs), and organization liability (general and management liability) for emergency service organizations.
- Accident & Sickness (A&S) Insurance: Protection for responders covering service-related injuries, illnesses, and death, designed to fill gaps in Workers' Compensation plans. Protects firefighters, EMTs, paramedics, and 911 dispatchers.
- Length of Service Awards Program (LOSAP): Benefits program providing retirement-style compensation to volunteer responders as incentive for service, administered as part of comprehensive benefits offerings.
- Training and Education Services: Train-the-trainer programs, instructor-level classes, online courses through VFIS University, and training materials (manuals, DVDs, USBs, posters) sold through VFIS Store.
- Specialty Benefits: Custom coverages including Group Term Life, Cancer and Critical Illness, Accidental Death and Dismemberment for organizations that may not qualify for standard VFIS coverages, provided through sister program Glatfelter Specialty Benefits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Insurance Products - Custom Quote Required |
| Unit Pricing | Pay-as-you-go | In-Person Training - Variable Pricing |
| Unit Pricing | Pay-as-you-go | Training Materials - Tiered Pricing |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels10 records
VFIS product offering
Product offeringCore offering
VFIS is a specialized insurance provider that underwrites Property & Casualty, Accident & Sickness, Group Term Life, Cancer + Critical Illness, and Length of Service Awards Program (LOSAP) coverages tailored to fire departments, EMS agencies, 911 dispatch centers, and other emergency service organizations. The company complements these insurance protections with a comprehensive training and education division delivering instructor-level and student-level courses (EVDT, EMSVO, Trailer Operations, UTV/ATV, Traffic Incident Management, Patient Handling, etc.) in person and through the VFIS University online learning platform.
Product overview
VFIS is a specialized insurance provider for emergency service organizations that offers a comprehensive portfolio of insurance products and training services. The core insurance offerings include Property & Casualty (P&C) coverage, Accident & Sickness (A&S) insurance, Group Term Life, Cancer + Critical Illness coverage, and Length of Service Awards Program (LOSAP). Complementing the insurance products is an extensive training and education division providing instructor-level and student-level courses through both in-person sessions and the VFIS University online platform. Training programs include Emergency Vehicle Driver Training (EVDT), EMS Vehicle Operations (EMSVO), Trailer Operations & Safety, Utility Vehicle Operations (UTV/ATV), Traffic Incident Management, Patient Care Documentation, Patient Handling, and Emergency Responder Safety. Training materials are also available through the VFIS Store, which offers manuals, USB programs, DVDs, and safety posters. The company serves fire departments, ambulance/rescue squads, 911 centers, and other emergency service organizations across North America.
Differentiator
Problem solved
Functional benefit
Products and services
- Property & Casualty (P&C) Insurance Insurance coverage for property and casualty risks faced by emergency service organizations, including facilities, vehicles, apparatus, and portable equipment such as turnout gear, hoses, thermal imaging cameras, radios, and AEDs. Targeted at fire departments, EMS agencies, and 911 centers.
- Accident & Sickness (A&S) Insurance Coverage that fills gaps in Workers' Compensation plans to protect emergency responders (firefighters, EMTs, paramedics, 911 dispatchers) and their families in the event of service-related injury, illness, or death.
- Group Term Life Insurance Life insurance product for emergency service organizations, provided through Glatfelter Specialty Benefits, designed to protect responders and their families.
- Cancer + Critical Illness Insurance Specialized coverage for cancer and critical illness risks faced by emergency responders, provided through Glatfelter Specialty Benefits for organizations that may not qualify for standard VFIS coverages.
- LOSAP (Length of Service Awards Program) Benefits program that provides retirement-style compensation awards to volunteer emergency responders based on their years of service, designed as a volunteer recruitment and retention incentive.
- Emergency Vehicle Driver Training (EVDT) Train-the-trainer program teaching instructional methodology for emergency vehicle operations. Covers fire and EMS divisions with content on alternative fuel vehicles, scene safety, UTVs/ATVs, CDL requirements, and spotter evaluation.
- Emergency Medical Services Vehicle Operations (EMSVO) Instructor-level class covering instructional methodology to deliver EMS driver training programs to ambulance and EMS personnel.
- Emergency Services Trailer Operations & Safety Program Train-the-trainer program teaching proper techniques and procedures for towing trailers in emergency services operations.
- Utility Vehicle Operations (UVO) / UTV/ATV Safety Program Safety training for utility terrain vehicles, all-terrain vehicles, and off-road vehicles used in fire and EMS operations.
- Traffic Incident Management (TIM) Training Instructor and student-level training for managing traffic incidents safely around emergency scenes.
- Patient Care Documentation Training Instructor-level training covering proper documentation of patient care contacts, including equipment use, provider safety, and bariatric patient considerations.
- Patient Handling Series / Preventing Patient Drops Training covering proper patient handling techniques to prevent patient drops and injuries during transport.
- VFIS University Online learning platform providing 24/7 access to continuing education courses for emergency services personnel, with certificates upon completion, course assignment capabilities, and progress monitoring for organizations.
- VFIS Store / Training Materials Online store offering training materials including participant manuals, USB programs, CD/DVDs, safety posters, and miscellaneous items for fire and EMS training; VFIS clients receive first copy free on most products.
Quantifiable outcome
- Over 97% account retention rate over three years, demonstrating strong customer satisfaction and loyalty.
- +4 more outcomes
Companies that use VFIS
Customer profileNamed customers2 records
Segments7 records
Ideal customer profiles3 records
VFIS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
VFIS partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, flagship and minor.
- Glatfelter Insurance GroupcoreVFIS is a division of Glatfelter Insurance Group, one of the largest insurance program managers in the US. Glatfelter markets property, casualty, life, accident and health insurance products and risk management services on both retail and wholesale specialty basis throughout the country. VFIS operates as the flagship division serving emergency service organizations.
- Volunteer & Combination Officers Section (VCOS) of IAFCflagshipAnnual joint venture creating the VCOS-VFIS Recruitment & Retention Award, recognizing fire departments and EMS agencies that successfully achieve recruitment and retention goals. VFIS participates in various IAFC section activities and initiatives, contributing to industry advancement and professional development.
- Glatfelter HealthcareminorSister division of Glatfelter Insurance Group providing insurance protections for healthcare providers. Cross-referenced on VFIS website as related program for organizations needing additional coverage options.
- Glatfelter Ministry CareminorSister division providing insurance for religious organizations and ministries. Cross-referenced as related program for organizations needing additional coverage options beyond emergency services focus.
- Glatfelter Public EntitiesminorSister division insuring municipal entities and police departments. VFIS cross-refers clients needing coverage for municipal ESOs and police departments to this program.
- Glatfelter Specialty BenefitsminorSister division providing custom coverages including Group Term Life, Cancer and Critical Illness, Accidental Death and Dismemberment for organizations that may not qualify for standard VFIS coverages. Referenced for specialty product needs.
- CVIS, Inc. (VFIS of Canada)coreCanadian affiliate office operating as CVIS, Inc., providing VFIS insurance products and services to emergency service organizations throughout Canada. Located in Toronto, Ontario with dedicated Canadian contact information.
Scale indicators10 records
Recent moves6 records
Expansion highlights5 records
VFIS competitors and assessment
Company assessmentDirect peers
- Philadelphia Insurance Companies: A top-tier specialty P&C program manager (a Tokio Marine company) with a deep public-entity and public-safety practice; directly overlaps with VFIS on ambulance, fire, and 911 center insurance, and uses a similar independent-agent/wholesale distribution model.
- K&K Insurance Group: A specialty program administrator (a Kemper company) that, like VFIS, builds insurance and risk-management products for niche professional and community markets through an agent/broker channel, with analogous mission-driven customer segments.
- National Interstate Insurance Company: Specialty commercial-vehicle and emergency-vehicle insurer built around fleet/apparatus coverage, directly comparable to VFIS's apparatus, portable equipment, and emergency-vehicle driver training offerings.
Broad incumbents
- Markel Corporation: A specialty-insurance holding company whose program-management and niche-segment underwriting mirror VFIS's broker-distributed, deep-domain model across multiple community and commercial verticals.
- Liberty Mutual Insurance: Large US P&C carrier with dedicated public-entity and specialty/safety unit that overlaps with VFIS on municipal and emergency-services risks while serving a much broader portfolio.
- Travelers Companies: Major US P&C carrier with a public-sector unit that competes broadly with VFIS for fire/EMS/municipal accounts via independent agents, though it is not specialized exclusively to emergency services.
- Hanover Insurance Group: Specialty P&C underwriter with a strong middle-market and program-business tilt; serves niches through independent agents in a distribution model and product-suite mix closely analogous to VFIS's.
- Cincinnati Financial: Specialty P&C group whose standard-market independent-agent model and selectively underwritten commercial niche accounts position it as a broad-incumbent comparator to VFIS's agent-distributed specialty book.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights6 records
Customer concentration
VFIS social profiles
Digital presenceVFIS financial estimates
Financial estimateRevenue estimate
Valuation estimate
VFIS leadership team
Management profileNumber of profiles
Profiles9 records
VFIS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VFIS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VFIS
What does VFIS do?
VFIS is a specialized insurance provider that underwrites Property & Casualty, Accident & Sickness, Group Term Life, Cancer + Critical Illness, and Length of Service Awards Program (LOSAP) coverages tailored to fire departments, EMS agencies, 911 dispatch centers, and other emergency service organizations. The company complements these insurance protections with a comprehensive training and education division delivering instructor-level and student-level courses (EVDT, EMSVO, Trailer Operations, UTV/ATV, Traffic Incident Management, Patient Handling, etc.) in person and through the VFIS University online learning platform.
Is VFIS a public or private company?
VFIS is a private company. It is classified as corporate owned and is currently operating.
When was VFIS founded?
VFIS was founded in 1969. It employs 101 to 250 people.
Where is VFIS based?
VFIS is headquartered in York, United States, in the North America region.
How does VFIS make money?
Five revenue lines are on record. Property & Casualty Insurance is the primary driver. The others are accident & Sickness (A&S) Insurance, length of Service Awards Program (LOSAP), training and Education Services and specialty Benefits.
Who are VFIS's main competitors?
Direct peers on record are Philadelphia Insurance Companies, K&K Insurance Group and National Interstate Insurance Company. Broad incumbents are Markel Corporation, Liberty Mutual Insurance, Travelers Companies, Hanover Insurance Group and Cincinnati Financial.
Does VFIS have an API?
No public API is recorded for VFIS.
What industry is VFIS in?
VFIS's product category is Specialty Insurance for Emergency Service Organizations. Its primary akta.pro industry code is FSAIADAB, Supplemental/Voluntary Group Term Life (Employee-Paid), with a secondary code of FSAJADAF, Directors & Officers (D&O) Liability. Its NAICS code is 5251 and its SIC code is 6331.