Coverages currently offered through VFIS

Keith Metz

(888) 834-7691

(516) 639-7273

​Long Island & 5 Boroughs

Ron Hendrix

(888) 834-7691

(516) 795-1330

​Northeast New York

Ken Andrews

(888) 834-7691

(845) 417-5678

​Lower Hudson/So New York

Gary Gugino

(888) 834-7691

(716) 912-8600

Western New York

For any assistance in your area, please contact one of the Emergency Service Organization Specialists below.

Below are several useful links for both insurance brokers and Emergency Service Organizations (ESO) personnel to access important information directly from VFIS.


NY Associations LINKS

ESO Specialists

Given Hubbinette-Cowell's success, experience and commitment to the emergency services of New York, it was named as the Marketing Coordinator for VFIS in 2006. The agency has personnel in all areas of the state to help and assist local brokers in the sales and service to their local ESO. The honor and responsibility of this position drives us every day to make sure America’s heroes are given the best in the way of insurance coverage and quality training. 

Hubbinette-Cowell Associates, Inc. has been actively involved insuring Emergency Service Organizations (ESO) for more than 30 years. This agency has established itself as one of New York's leading insurance providers for the Volunteer Fire & Ambulance Services. The agency’s staff has more than 120 years of collective experience in assisting ESO’s with their insurance needs. The staff has more than 50 collective years of experience in providing volunteer service within their communities as firefighters and EMS personnel.

Hubbinette-Cowell Associates, Inc.

Below are several types of coverages offered through VFIS for Emergency Service Organizations. These are the critical programs and protections first responders have relied on for years.

  • Critical Illness
  • Length of Service Awards Program (LOSAP)

These programs include Risk Control Services which can reduce the frequency and potential for losses.  In addition, education, training & consulting are available in various formats and complimentary to clients.  Those programs can be offered online,CD-ROMS or as a live training program.  Hubbinette-Cowell currently is placing VFBL/WC with all 3 eligible providers in New York State. 


  • Property Coverage
  • ​Portable Equipment
  • ​Automobile (owned & non owned, primary or excess)
  • ​General Liability


  • Management Liability
  • ​Cyber Liability
  • Excess Liability (Umbrella)
  • ​Accident & Sickness
  • ​Group Life