At MMRMA, we believe coverage means more than what’s outlined in a policy document. The right coverage, at the right time, delivered by the right team, makes all the difference.
We’re proud to offer our members the broadest municipal liability and property coverage in the state, as well as the highest loss limits of any public entity pool in Michigan. Along with comprehensive casualty and property insurance, we provide data breach and cyber liability coverage at no additional cost to our members
- General Liability
- Police Professional
- Public Official
- Zoning/Land Use
- Property: Building and Contents
- Earthquake and Flood
- Auto Physical Damage
- Fidelity/Extra Expense/Volunteers
- Third Party
- Network and Information Security Liability
- Media Injury Liability
- First Party (Member)
- Network Security Loss
- Breach Mitigation Expense
- PCI (Payment Card) Assessments
- Social Engineering Loss
- Reward Coverage
- Telecommunications and Fraud Reimbursement
Innovative Coverage Solutions:
Identified as a key strategic initiative of the Board of Directors in 2016, MMRMA formed Greenstone Insurance, LLC, a captive insurance company. MMRMA has improved its ability to manage retained risk and provide new products and services in response to the needs of the membership through Greenstone.
Greenstone now participates in MMRMA’s tiered casualty reinsurance structure, provides an aggregate excess policy required by Michigan statute for public entity risk pools, and writes short-term tax collection bonds for many county members
The leadership of MMRMA and Greenstone will continue to seek additional opportunities to provide new coverages to the membership in future.
Committed to fiscal responsibility, MMRMA maintains the reserves necessary for future obligations while ensuring predictable member contributions—even in changing markets.