Risk Management Services of Bemidji, Inc. (RMS) was originally formulated in December 2005 to provide residents and business owners in northern Minnesota with the peace of mind and protection of a secure future. In 2008, Beltrami Insurance Group (BIG) merged with RMS to expand the quality of services with additional staff members with extensive experience in customer relations, insurance knowledge and continually remaining up to date on the most current products and services.