About Us

Who Are We?

The Montana Municipal Interlocal Authority (MMIA) is a member-owned and member-driven organization that provides self-funded employee benefit, liability, property, and workers' compensation coverage to incorporated cities and towns of Montana.


MMIA was established so that cities and towns could achieve the stability they needed when the commercial insurance market was unavailable as a resource. MMIA pools the resources of our municipal members to provide quality, cost-effective self-funded coverage and risk management services. Because we focus specifically on cities and towns, MMIA can be consistent, reliable, and responsive to our members’ ever-changing needs.

Historical Perspective

The availability and affordability of insurance is cyclical. In the mid-1980s, government agencies were experiencing substantial rate increases or cancellations of their liability and workers' compensation coverages. Seeing that a solution from private industry was not an option, the cities and towns of Montana came together to create their own solution, forming the MMIA in 1986. Decades later, the MMIA has successfully grown in scope, expertise, and stability for the benefit of our members.

Looking Forward


Pooling resources to provide quality, cost-effective self-funded coverage and risk management services including outreach, education, and training for all Montana cities and towns.


To be a proactive and adaptive risk management leader in coverages and risk management practices by collaborating with members and key partners, providing overall stability and advocacy for Montana cities and towns.

Core Values

  • Integrity
  • Customer-Focused Service and Programs
  • Financial Soundness
  • Continuous Improvement
  • Safe and Healthy Work Environment
  • Teamwork and Collaboration
  • Accountability and Transparency

Become a Member

An incorporated Montana city or town can elect to join any or all of the coverage programs, depending on their individual needs, with one exception. A city or town must be a member of the liability program to participate in the property program.

Incorporated cities and towns of Montana may apply to join the MMIA at any time. Submissions should be completed well in advance of the expiration of their current coverage and may include the involvement of their governing body. Don’t delay, call 800-635-3089 to join the MMIA today!