Covering California’s Fire Service Community

Our Mission

FRMS provides comprehensive and cost-effective coverage programs to members of the fire service through a responsive risk pool.


  • Member-driven, member-directed risk sharing pool.

  • Viable alternative to the commercial insurance market.

  • Collaborative development of effective risk management programs to reduce losses.

  • Support mental and physical health and wellness for firefighters and their families through life-long service and education.

  • Operate with integrity, transparency, and sound fiscal practices.

  • Strategic partnerships with the Fire Districts Association of California, California Fire Chiefs Association, and other allied entities.


Fire Risk Management Services (FRMS) was formed through a consolidation of the Fire Districts Association of California – Employee Benefits Authority (FDAC EBA) and the Fire Agencies Self Insurance System (FASIS). FRMS builds upon the combined 60 years of experience across more than 200 fire districts under FDAC EBA and FASIS. The pool will continue to provide rate stability, broad coverage, and expanded benefits and services.

Available Mon-Fri 8:00 AM to 5:00 PM.