The Risk Management Services Division administers two statewide municipal insurance programs: the Michigan Municipal League Workers’ Compensation Fund and the Michigan Municipal League Liability and Property Pool. The mission of Risk Management Services is to provide a long-term, stable, cost-effective insurance alternative for members and associate members of the Michigan Municipal League, helping us fulfill our members’ essential need for stability and security.
Michael J. Forster, Director, Risk Management
[email protected], (734) 669-6340
Insurance and Employment Benefits Services
Michigan Municipal League Workers’ Compensation Fund
This League group self-insurance fund offers affordable workers’ compensation coverage to over 900 members. Unlike commercial insurance, the Fund is owned and controlled by its members and administered by the Michigan Municipal League. Over the last five years, the Fund has issued $58.3 million in dividends, representing about 35% of members’ premiums during the same period.
Michigan Municipal League Liability & Property Pool
The Liability & Property Pool is a non-profit self-insurance pool owned and governed by its members. The Pool provides comprehensive property, general liability, auto liability, public officials’ liability insurance, and related services to over 400 Michigan cities, villages, townships, and other public entities. Over the last five years, the Pool has issued $9.8 million in dividends, representing about 9% of members’ premiums during the same period.
BCBSM Group Sponsored Program
This program provides access to Blue Cross and Blue Shield health insurance for our member communities of under 100 employees. It currently has 386 member communities, covering 15,000 public employees and their families. This service costs members nothing to participate, but the fees generated by BCBSM support the League, and our goal of keeping member dues low.
League Unemployment Fund
The League’s unemployment fund can help members deal more effectively with their unemployment claims. This program helps smooth out a community’s unemployment funding obligations by amortizing them over a longer period of time. We also offer expertise through our third-party administrator, TALX Corporation, to guide participating members through the unemployment process. Part of the services includes representation in disputed cases and throughout the appeals process at no additional charge.