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 Insurance Services 

Our Mission

To administer high quality insurance trusts, provide professional service and to always be accountable to the membership through the leadership of the Board of Trustees and the knowledge and dedication of a higly trained staff.

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 benefits, property and liability coverages.

For more information about the pools, visit

What are self-funded pools?

A vehicle that allows mid- to smaller-sized municipalities the ability to self insure collectively serving as an alternative to insurance from commercial companies.

Cities, towns, villages and other public entities cooperate to form self-insured pools to enjoy the benefits of self insurance on a collective basis, while receiving top-notch service by experts in municipal risk management. These pools provide League members the ability to obtain insurance coverage geared to their unique needs through a program governed by their peers -- other municipal officials across the state. In addition, the pool offers unparalleled expertise with regard to municipal coverage needs, municipal claims and municipal risk management and loss control issues. 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 Trust

North Carolina Interlocal Risk Management Agency (NCIRMA) providing statutory workers’ compensation and employers' liability coverage.

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Health Benefits Trust

Municipal Insurance Trust of North Carolina (MIT of NC) providing medical, dental, vision, disability and life coverage to municipal employees on group basis.

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Property and Liability Insurance Trust

Interlocal Risk Financing Fund of North Carolina (IRFFNC) providing coverage in all major lines such as automobile, real and personal property, municipal equipment and liability (public officials, policy and general liability)

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Onsite consulting

  • Safety Program Development
  • Risk Management Program Development
  • Assistance with Policies and Procedures
  • Risk Management, Loss Control, Wellness and EAP Recommendations
  • Training
  • Hazard Assessments

Important phone numbers

MIT: Health Benefits Trust: 1-877-287-9503 | Fax: 919-733-3108

Workers' Compensation Trust Claims: 1-888-561-1083 | Fax: 919-715-8465

Property & Liability Trust Claims: 1-800-768-8600 | 919-715-8465

Underwriting: Fax: 919-715-9751