Municipal Coverage

Michigan Municipal Risk Management Authority (MMRMA) is member driven and member focused. Simply put, the efforts of our staff and service providers are dedicated exclusively to meeting the needs of the membership. The MMRMA can offer you the protective blanket that you need during such times. If you are seeking coverage, we urge you to consider speaking to us at U.P. Insurance Agency Inc. in Negaunee, MI. Here's why.

Benefits of Membership

For decades, MMRMA’s programs and services have been recognized and awarded by the Public Risk Management Association (PRIMA) and other national pooling organizations, firmly establishing our reputation as a leader in public entity pooling.

Membership in MMRMA provides many outstanding benefits, including:

  • Broad, occurrence-based municipal liability coverage
  • Comprehensive property coverage
  • Data breach and privacy liability coverage
  • Cutting-edge risk control training and resources, best practices reviews, and other services
  • Risk Avoidance Program (RAP) and Certification and Accreditation program (CAP) grants for qualified projects with member matching funds

Leadership & Governance

MMRMA was created pursuant to the laws of the State of Michigan. Members enter into a Joint Powers Agreement (JPA), MMRMA’s central governing document.

MMRMA is governed by a Board of Directors elected of and by the membership. The Executive Director, appointed by the Board of Directors, serves as chief executive officer and is responsible for the operations and functions of the organization.

Member employees assume active roles in MMRMA through their service on various committees, including advisory groups addressing these functional risk control areas: administration, corrections, fire & EMS, health facilities, law enforcement, parks & recreation, public services, and 911/telecommunications.

Risk Control

One of MMRMA’s hallmarks is a highly proactive approach to risk control. Specialized consultants and other risk control staff prepare model policies and procedures, develop and coordinate training opportunities, and assist members in identifying and mitigating loss exposures. Our innovative Risk Avoidance Program (RAP) provides grants to help fund our members’ risk control initiatives. MMRMA has also introduced Certification and Accreditation Program (CAP) grants to assist members in pursuing key credentials.