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insurance programs

The League offers its members the opportunity to participate in one or more of three, self-funded governmental insurance pools. These pools provide workers' compensation, health, property and liability coverages.

What are self-funded pools?

An alternative to insurance from commercial companies.

Cities, towns and other public entities come together to form self-insured pools to provide the needed coverages. League members who want insurance coverage geared to their unique needs and who want some influence over coverages, claims handling and avoid purchasing commercial insurance can join any or all of the NCLM Risk Management Services' self-insured pools.

The League's Risk Management Services provides the daily management for these insurance programs, under the direction of the NCLM Risk Management Board of Trustees.

In this section are descriptions of the three major insurance programs and the other services offered by NCLM Risk Management Services

Workers' Compensation
North Carolina Interlocal Risk Management Agency (NCIRMA)

Health Program
Municipal Insurance Trust of North Carolina (MIT of NC)

Property and Liability
Interlocal Risk Financing Fund of North Carolina (IRFFNC)

Risk Management and Loss Control Programs
Wellness and Employee Assistance Programs (EAP)
Wellness and EAP Grants Program
Safety Grant Program

Onsite consulting

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