Lawsuits based on allegations of discrimination, wrongful employee termination, or sexual harassment, commonly referred to as "employment-related practices", are becoming increasingly common for emergency service organizations, including volunteer organizations. This coverage will defend against such allegations and, in the event of an adverse judgment or settlement, pay on behalf of the organization and its employees, volunteers, officers, directors, trustees, and commissioners.


  • Covers all volunteers (whether or not they are members of your organization) and employees while acting on behalf of your organization.

-  Other insureds, including your officers, directors, commissioners, and      trustees.
-  Your medical director (if any).
 -  VFIS coverage is primary for all above insureds, not excess of any personal insurance that may apply.

  • Legal expenses* incurred in defending against a suit seeking non-monetary damages (that is, a plaintiff demands your organization do something or stop doing something).

  • Automatically covers your volunteers or employees who choose to serve on the board of directors of an outside organization as long as that organization:

        -  is not-for-profit, and
        -  is related to the emergency services.
        -  coverage is excess of any other available insurance.

  • Cost to defend you against covered claims will not erode your liability limits.

  • Coverage available on either a Claims Made or Occurrence Basis.

  • Cyber liability and privacy crisis management expense.

4140 Parklake Ave, Suite 520

Raleigh, NC 27612

Toll free: (800) 726-1228

Office:   (919) 755-1401

Fax:       (919) 755-1125


  • VFIS of NC

IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail.