Fire And Rescue Indemnity Company Limited

The Fire & Rescue Indemnity Company Limited (FRIC) is an innovative, hybrid discretionary mutual established in 2015, owned and controlled by its UK Fire and Rescue Authority members. FRIC provides comprehensive risk protection cover, including vehicles, liability, and property, serving as a collaborative alternative to traditional insurance. Its core mission is to empower members to work together to reduce the frequency and cost of risk-related incidents through enhanced risk management. Members contribute funds that are pooled to cover operational costs and agreed claims, with any surplus reinvested to benefit the membership rather than generating profit for external shareholders. FRIC distinguishes itself through its member-centric approach, offering value for money, expert and discreet claims handling, and specialist teams possessing a deep understanding of the Fire and Rescue sector’s unique operational needs. The company actively promotes shared learning, robust risk-profiling, and expert risk mitigation, aiming to drive down accident costs and provide peace of mind. As the UK’s most successful Fire & Rescue collaboration, FRIC has been saving its members money since 2017.