Member Owned. Member Driven.
MMIA – We ARE You
Self-Funded Coverage
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. The MMIA is a local government entity, not an insurance company.
Employee Benefits
The MMIA Employee Benefits self-funded pool covers the employees, retirees, and families of 90 Montana cities and towns. Participants' monthly premiums and the cities’ and towns’ contributions go into a pool that is used to pay for medical, prescription, dental, and vision claims. MMIA contracts with various vendors to process claims and offer cost-saving services to the pool and its participants.
Liability
The MMIA Liability self-funded pool covers 126 Montana cities and towns. Members' annual assessments go into a pool that is used to pay for liability claims. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all liability claims brought against participating member cities and towns.
Property
The MMIA Property self-funded pool covers 118 Montana cities and towns. Members' annual assessments go into a pool that is used to pay property claims. An invaluable part of the program is the Liability/Property Claims Unit that adjusts all property claims of participating member cities and towns.
Workers' Compensation
The MMIA Workers' Compensation self-funded pool covers 108 Montana cities and towns. Members' quarterly assessments go into a pool that is used to pay workers' compensation claims. An invaluable part of the program is the Workers' Compensation Claims Unit that manages all workers' compensation claims for participating member cities and towns.
Our Team
MMIA employs highly trained professionals so we can help. Whether you are looking for any one of our great coverages, training opportunities, or support, we are here for you.
Incredible Service
Employee Benefits Total Covered Lives
Total covered lives in the Employee Benefits program includes city/town employees, spouses, dependents, and retirees.
Liability Adjuster Experience
MMIA has knowledgeable and experienced Claim Staff! The Liability Program has over 100 years of combined adjuster experience.
Property Program Total Insured Value
Total Insured Value for the MMIA property program represents all real and personal property, vehicles and mobile equipment of participating members.
Workers' Compensation Examiner Experience
MMIA Workers’ Compensation Claims Examiners have a combined 75+ years of experience.