When your volunteer is injured in the Line of Duty, no one provides better Volunteer Firefighter Benefits Law and Workers Compensation services than us ... NO ONE! We believe that the last thing our brave firefighter/EMS personnel should have to worry about in their time of need, is their insurance coverage. FDM provides coverage based upon 100% earning capacity for all its members policyholders. As a mutual company, we are owned by our policyholders, working through the agent of your choice. We are experienced, responsive and here to process claims promptly and professionally, and keep your injured personnel and organization up to date on the status of claims.