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About FDIP

The State of Oklahoma Risk Management Department (SRM) provides insurance programs to fire departments as authorized by 74 O.S. § 85.58B.

All liability programs offered through SRM correspond directly with the Oklahoma Governmental Tort Claims Act, (GTCA) (50 O.S. § 151), SRM Statutes 74 O.S. § 85.58B, and SRM's administrative rules, (OAC 260:70). SRM provides both self-insured and commercial insurance programs that protect fire departments’ properties, autos, and members as provided by state law. FDIP protects a Fire Department's sovereign immunity.

SRM also provides a wide range of additional services that include: risk assessment, building assessment, presentations, and legal services. All money paid into the self-insurance programs remains in Oklahoma and belongs to the fire departments participating in the FDIP program.

Eligibility

The Fire Department Insurance Program is available to the following Oklahoma fire department organizations:

  • Fire protection organizations organized and operated pursuant to the provisions of Sections 901.1 through 901.29 of Title 19 of Oklahoma statutes;
  • Volunteer or full-time fire departments established pursuant to Section 592 of Title 18 of Oklahoma statutes;
  • Municipal fire departments organized and operated pursuant to the provisions of Sections 29-101 through 29-108 and Sections 29-201 through 29-205 of Title 11 of Oklahoma statutes;
  • Fire protection services established pursuant to the provisions of Section 351 of Title 19 of Oklahoma statutes;
  • Rural fire coordinators employed by sub-state planning organizations acting pursuant to rural fire defense programs as described in 74 O.S. § 85.58B, et seq.