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Comparing Plan Benefits



  •  What is VFBL Coverage?
  •  Benefits of Membership
  •  Comparing Plan Benefits
  •  Program Brochure
    		•
  •  Underwritten by PERMA
  •  Partnership with NYSAC
  •  Program Management by BHL
  •  How We Manage Your Risk
    		•

    The Capital Region VFBL Purchasing Group provides comprehensive coverage and services to protect your volunteer firefighters.

    Here is a comparison of our plan to a typical state policy.
    Print the following chart from a separate window

    PERMA has tailored its coverages specific to the needs of volunteer fire departments and districts Standard
    State
    Policy    		 PERMA
    Part 1 VFBL protection, for injury while acting "In the Line of Duty" ✓ ✓
    Part 2 Employers Liability protection, for legal liability to third parties ✓ ✓
    "First Dollar" coverage, no deductibles ✓ ✓
    Cost based on population served ✓ ✓
    Individual loss experience used to
    determine cost    		 ✓ ✓
    Loss prevention services, including online resources ✓ ✓
    Employers Liability Extension endorsement No ✓
    Payment of expected dividends or discounts upfront No ✓
    Coverage for injury or illness to civilian or auxiliary volunteers No ✓
    Annual membership satisfaction survey No ✓
    Annual membership meeting No ✓
    Sponsored OSHA 8-Hour Refresher from the NYS Association of Fire Chiefs No ✓
     
    Underwritten by
    0

    In Partnership with
    0
    Click to see Bob's bio
    For more information, contact:
    Bob Poitras, CPCU, ARM
    Program Administrator
    Cell: 518.577.1046
    Fax: 888.753.3182
    Bob@CapitalRegionVFBL.com
    See Bob's Biography
    Download a Membership Application
    Capital Region VFBL Group
    P.O.Box 38226
    Albany, NY 12203-8226

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