W.J. FARMER INSURANCE

• We are experts in insuring fire departments, let us show you how our coverage stacks up to VFIS, ESIP, and other carriers!
• We can improve your coverage and save you money upfront.  We can also place your insurance in Utica’s dividend program!  Each year a dividend is delcared, you will receive a percentage of your premium back in the form of a check.  Click here for more information regarding our dividend program including it's track record.
• We have a solid track record of quality, knowledgeable service.  Our clients feel secure knowing we are the area’s experts in insuring fire departments.  Feel free to ask us for references.
• We are available 24 hours a day!

OUR RECENT SUCCESS STORIES:

Fremont VFD (Formerly with ESIP)

• Original premium was over $10,000
• Our Utica premium was $7,058.  If you consider a potential average dividend of 30%, their net premium will be $4,940.  This is a savings of 44%!

Troupsburg VFD (Formerly with ESIP)

• We more than doubled their vehicle values to represent replacement cost valuation as opposed to the depreciated values.  Now if the department suffers a total loss of one of their older vehicles, they have the coverage to buy a new replacement!  We provided this coverage without increasing their premium!
• They are now eligible for a dividend each year!  Considering a 30 % dividend, they increased their coverage and may save 30% on their insurance!

East Campbell VFD (Formerly with VFIS)

• Like Troupsburg, we more than doubled their vehicle values, without increasing their premium!
• They now are eligible to receive dividends!

Hornby VFD (Formerly with ESIP)

• We more than doubled their vehicle values to represent replacement cost valuation as opposed to the depreciated values. 
• We reduced their premium by 20% and if you consider a possible 30% dividend, they have saved 44%!

Pulteney VFD (Formerly with VFIS)

• Doubled their loss of earnings and extra expense from 12 months to 24 months!
• Increased their scheduled equipment by $100,000!
• We reduced their premium by $1,064 and if you consider a possible 30% dividend, they will save $3,659!

North Corning VFD (Formerly with ESIP)

• We increased their vehicle values by $215,000.
• We reduced their premium by more than $2,000.
• Considering a potential 30% dividend, their savings could equal 41%!

Big Flats Fire District

• We reduced their premium by more than $4,000 while increasing their coverage!
• They are now a member of our dividend program and are eligible to receive up to a 30% dividend each year!

INTERESTED IN RECEIVING A QUOTE? CLICK HERE FOR THE QUOTE REQUEST FORM AND FAX IT BACK TO OUR OFFICE AT 607-796-5591 OR FEEL FREE TO EMAIL US OR GIVE US A CALL AT 1-800-409-9390 X4. 

In addition to the dividend plan offered, we can usually save fire departments an average of 10-25% off their current premiums.  Let me offer an example of the potential savings your fire department may realize:

Current premium:  $10,000

Our premium:assume 20% savings)                   $ 8,000

Upfront savings:      $2,000

Potential Dividend

 (Assume 30%)        $2,400

Potential Savings    $4,400

WE CAN ALSO HANDLE YOUR ACCIDENT & SICKNESS POLICY AND WORKERS COMPENSATION NEEDS!