Risk Management Services

MMA’s Risk Management Services staff of insurance professionals provide all underwriting, member services, claims and loss prevention services to program participants. The financial condition of the programs is excellent and includes sound financial management and the purchase of high quality reinsurance. Each program is managed individually and overseen by its own board of elected and appointed municipal officials.

If you would like further information or have any questions please email your:
Underwriting Team at rmsunderwriting@memun.org 
Loss Control Team at rmslosscontrol@memun.org

Property and Casualty Pool

This program provides members with a broad range of property and casualty coverages at favorable rates. Coverage is uniquely designed to provide public entities with the protection of the Maine Tort Claims Act immunities and limits of liability. In addition, the program also provides Public Officials and Employment Practices Liability coverage against civil claims or suits made for actual or alleged wrongful acts.

Workers' Compensation Fund

This is a group self-funded program designed to assist members in managing their workers compensation costs through effective claims management and loss prevention activities.

Important Reminder about Independent Contractors

As a reminder, members of the Workers Compensation Fund who use independent contractors should be instructed to obtain a certificate of insurance showing evidence of workers compensation coverage or an approved "Predetermination of Independent Contractor Status" (WCB 266). These forms are available on the Maine Workers' Compensation Board's website

Please see additional tools available under the "Member Tools" heading in the right hand column.


Unemployment Compensation Fund

A self-funded program that serves as a liaison between participants and the Bureau of Unemployment Compensation in the handling of unemployment claims.

In addition to the three programs listed above, members have the ability to discuss coverage or risk management matters at any time with certain RMS professional staff. RMS also has the ability to assist members in placing unusual exposures through an exclusive arrangement with its broker.


Please call us at 1-800-590-5583 at any time. We would be happy to talk with you.




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