About Us

First Benefits Insurance Mutual (FBIM), an association-based workers' compensation carrier, has been providing quality service to Chamber members for over 20 years.

Over 25 years ago, the North Carolina Retail Merchants Association (NCRMA) created a workers’ compensation insurance company and made coverage available exclusively to its members. Initially a self-insured fund, the company’s reputation grew based on outstanding service and competitive rates. Additional associations and chambers of commerce began to make the insurance available as a member benefit to their organizations. In 2008, NCRSIF converted to a mutual insurance company, and First Benefits Insurance Mutual emerged as an outstanding, competitive workers’ compensation benefit for participating organizations and their members.