MIRMA is not an insurance company or agency, rather a self-insurance pool, owned entirely by participating members. It functions solely for their benefit.

MIRMA is an incorporated association which establishes a protected group self-insurance program for its members. It provides the most comprehensive uniform property and casualty coverage under one plan available today.

• No broker commissions
• Entirely owned by the members
• Risk Management Awards Grant Program to benefit our members

MIRMA was created in the wake of the instability that existed in the municipal insurance market in the 1970′s as an actuarially sound alternative to commercial insurance. Operations began on July 1^st 1981. Such a program demands an increased awareness of, and responsibility for, loss prevention, and for the prompt correction of improper, hazardous, and unsafe conditions or procedures. Only in this manner can the maximum cost savings be realized.

Members’ assessments will be retained by MIRMA to pay losses, purchase excess insurance, pay insurance service fees, and to cover the administrative expenses incurred.

MIRMA is governed by a Board of Directors composed of 10 members which are elected by the general membership of the association. Even though the association is not an insurance company or agency, it is still regulated by the Department of Insurance and the Division of Workers’ Compensation.