• Management Liability
  • ​Cyber Liability
  • Excess Liability (Umbrella)
  • ​Accident & Sickness
  • ​Group Life
  • Property Coverage
  • ​Portable Equipment
  • ​Automobile (owned & non owned, primary or excess)
  • ​General Liability

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



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 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. 

Keith Metz

(888) 834-7691

(516) 639-7273


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

Hubbinette-Cowell Associates, Inc. has been actively involved insuring Emergency Service Organizations (ESO) for more than 38 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 decades of experience in assisting ESO’s with their insurance and benefit needs. 

  • Length of Service Awards Program (LOSAP)
  • Cancer Care

Coverages currently offered through VFIS

Paul Cowell

(888) 834-7691

(516) 795-1330


Angela Melillo

(888) 834-7691

(516) 795-1330


ESO Specialists

NY Associations LINKS

Hubbinette-Cowell Associates, Inc.

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. 

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.


Loretta Salerno

(888) 834-7691

(516) 795-1330


Ron Hendrix

(888) 834-7691

(516) 795-1330