Volunteer Fireman's Mutual

Since 1978, Fire Districts of New York Mutual Insurance Company (FDM) has been dedicated to providing exceptional claims service to volunteer fire departments throughout New York State. Founded by a group of fire districts, we understand the unique needs of the fire service and strive to deliver unparalleled expertise and support to our policyholders.

Niche-Focused Experience

As a specialized insurer, we focus exclusively on providing VFBL (Volunteer Firefighters' Benefits Law) and Workers' Compensation coverage to volunteer and paid firefighters, as well as district personnel. This specialization allows us to bring a unique level of expertise to our policyholders, ensuring that they receive the maximum benefits allowable under New York State law.

Our Mission

At FDM, we believe that our brave firefighter/EMS personnel should not have to worry about their insurance coverage in times of need. That's why we provide comprehensive coverage based on 100% earning capacity for all our policyholders. Our team is dedicated to processing claims promptly and professionally, keeping both the injured personnel and organization updated on the status of claims.

How We're Different

As a mutual company, FDM is owned by our policyholders, ensuring that our interests are aligned with those of our policyholders. Our Board of Directors is comprised of both fire district officers and outside directors, ensuring that we remain focused on providing exceptional service to our volunteers. We work closely with agents and brokers to provide personalized service and tailored solutions to meet the unique needs of each fire department.

Get a Quote

At FDM, we're committed to providing the best possible service to our policyholders. If you're a fire department seeking comprehensive VFBL and Workers' Compensation coverage, we'd be more than happy to provide you with a no-obligation quote. Simply click here to Request A Quote or contact us directly.