About

We are the Fire and Rescue Indemnity Company. We’re an innovative, discretionary mutual, owned wholly by our Members.

We are specialists in our field – providing high-quality insurance and excellent value for money.

Our expert team is there in times of need – reducing risk, driving down the cost of accidents and offering peace of mind.

As a hybrid discretionary mutual, we offer a combination of discretionary protection, backed by supporting insurance for statutory classes and large individual/aggregated losses.

Members pay contributions instead of premiums. These funds are pooled to cover the running costs of the Mutual and agreed claims made by the Members. Individual losses within FRIC’s retention are paid from the pooled funds on a discretionary basis, with amounts over FRIC’s retention paid by the supporting Insurers.

Protecting what matters is at the core of who we are – ensuring our Members pay contributions based on their risk and performance.

All Members have equal voting rights, irrespective of size or contribution. The Board of Directors is appointed from within the membership and is responsible for running the Mutual, while the day-to-day management is outsourced to a specialist mutual management company.