Know where your dough goes. More information link

Know where your dough goes…

The MMIA is a self-funded public entity pool owned by the cities and towns of Montana. A public entity pool is an arrangement through which a group of public entities contribute to a shared fund that pays for claims and provides risk management services. The pool spreads risk (claim costs) and benefits (cost savings) among all Member-Owners. Spreading the risk and benefits provides protection to the individual entities from the volatility of claim costs.

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Pools also benefit from long-term stabilized pricing for Member-Owners rather than the sometimes-volatile increases or decreases in the commercial insurance market. Public entity pooling meets the needs of local municipalities with programs and services gained through extensive knowledge of public entity activities and risks. The primary purpose of any public entity pool is to manage and reduce underlying risks to the benefit of public entity Member-Owners and the public at large.

MMIA collaborates with Member-Owners to create, foster, and manage safe environments to minimize personal injury, bodily injury, physical damage, property damage, and workplace injuries. The MMIA provides self-funded coverage to Member-Owners through the Property Program, Liability Program, Worker’s Compensation Program, and Employee Benefits Program. You can lower your costs by participating in unique risk management programs as well as engaging with the experienced professionals at MMIA to learn how to manage your risk.

The MMIA staff can help Member-Owners with coverage questions, identifying liability exposures, navigate a multitude of employment practices and hiring concerns, workplace safety, and daily circumstances that arise. MMIA staff can collaborate with Member-Owners to develop and implement practices that achieve goals by effective strategic execution. No question is too silly. No scenario too far-fetched. No need is too small for MMIA to help our Member-Owners. Whether you have a hiring question, a liability scenario to review, or you want to become part of our Lexipol Pilot Initiative to advance your Police Department’s policy and training standards, assistance is a just a phone call or email away. If you have programs or recreation facilities for kids such as swimming pools, sports leagues, day care, or summer camps, etc., we strongly encourage you to take part in the Child Abuse Prevention Program to assess, develop, and implement a strong plan to protect the children and your community. We have partnered with Praesidium Inc. to give you access to their step-by-step on-line tool that guides you through the assessment, creation, and ongoing development phases to sharpen your prevention program. MMIA is available to get you started and assist you with the process.

Contact Risk Management at MMIA for your Member-Owners resources. Get your piece of the pie!



Phone: 800-635-3089

2021 Risk Management Award Winners Announced: Congratulations to these Member-Owners on their accomplishments in managing risk and preventing losses! Read more...

2021 Risk Management Award Winners Announced

2021 Risk Management Award Winners Announced: Congratulations to these Member-Owners on their accomplishments in managing risk and preventing losses! Read more...

Bob Worthington Risk Management Achievement Award

Each year MMIA asks for nominations for the Bob Worthington Risk Management Award for exceptional efforts to manage risk or prevent losses. Nominations can include an individual municipal employee or a group nomination such as a department or member-owner as a whole. This year the award winners include Rich Hickel, Kalispell Adjutant City Attorney, and The City of Bozeman!

Rich Hickel, 2021 BWRMAA Individual Winner

Rich makes risk management for the City of Kalispell a top priority in all aspects of his work. Whether it’s ensuring the interlocal agreement for participation in a drug task force protects the city from uncontrolled liability, ensuring AED programs are in compliance with state and federal statutes, creating the agreements between the city and third parties to embed social workers into the police department or shoring up the city of Kalispell's volunteer agreements, Rich makes sure that risk management is always a consideration. By making risk management a consideration with each project, Rich is a tremendous asset to the City of Kalispell, and to the membership of the MMIA.

City of Bozeman, 2021 BWRMAA Group Winner

The City of Bozeman has created a culture that encourages health and wellness with their employees exemplified by their participation rates in the annual health screening events. Even as one of MMIA’s largest members, they have consistently achieved 80% participation for five years in a row. In addition to great leadership and peer support, they provide thoughtful touches such as a table of healthy snacks and coffee for employees after their screening and a breakfast treat to make the health screening a fun event and entice folks to participate. They budget for these additions because they know the plan savings that can come from a healthier group and how important early detection of potential health issues can be. The results of these efforts are evident in their claim data and help the City of Bozeman keep their rates lower for all employees on the plan.

Please join us in congratulating Rich Hickel, Kalispell City Attorney, and The City of Bozeman!

Nominate Someone Today!

Nominations for this Risk Management Award are a great way to recognize exceptional work and encourage member-owners to learn from each other. Make your nomination today by completing the form on the BWRMAA nomination page.

2021 Loss Control Awards

Each year member-owners of the MMIA Liability and Workers’ Compensations programs with the lowest claim expenditures/number of employees for the previous five-year period receive a loss control award. Members-owners with low incurred expenditures save money not only to their municipality, but also to the MMIA pools in which they participate.

Loss Control Awards for the Liability Program:

First Class Cities: Havre
Second Class Cities: Lewistown
Third Class Cities: Three Forks
Towns: Plains

Loss Control Awards for the Workers Compensation Program:

First Class Cities: Billings
Second Class Cities: Whitefish
Third Class Cities: Chinook
Towns: Twin Bridges