History

Municipal Interlocal Risk Management Agency (MIRMA) was created by the Towns Chaplin and Willington on January 17, 2002 as an Interlocal Risk Management Agency under Section 7-479a et seq. of the Connecticut General Statutes. MIRMA’s purpose is to develop and administer an Interlocal Risk Management Program and to provide Insurance to member public entities throughout Connecticut.

MIRMA was developed as a result of the inability of many municipal entities to obtain workers’ compensation coverage and outstanding service at an affordable rate. In response, the Towns of Chaplain and Willington established MIRMA to provide stable, affordable workers’ compensation insurance coverage and loss control services.

MIRMA received authorization to operate a workers’ compensation risk pool on June 19, 2002. Representatives of the Town of Chaplin, Town of Westbrook, the Town of Killingworth the Town of Willington and Regional School District 15 constituted the initial board of directors.

The board of directors retained the Mathog & Moniello Companies, Inc. to perform the following functions: underwriting, claims administration, medical case management, management information systems, interactive training programs and risk control.

In June of 2003 MIRMA received Insurance Department approval to operate a Property, Auto and Liability Program (PAL Program). Again MIRMA was looking to provide its Members with stable, affordable coverage with outstanding services. The Board of Directors retained Wright Risk Management to perform the following functions: underwriting, claims administration, management information systems interactive training programs and risk control.

Due to the extremely high cost of reinsurance, the MIRMA Board determined that continuing the Self Insured Package Program that was in place between 2003 and 2006 would be detrimental to its members. In order to provide the best possible Property, Automobile and Liability (PAL) coverage to its members the MIRMA Board entered into a "Strategic Alliance" as of July 1, 2006 with the Massamont Insurance and its Metrogard Program. The new PAL Program which now offers insured coverages has proved to be very competitive with MIRMA's competition.

Membership in MIRMA now exceeds 65 public entities.