Through a combination of member-funded pooled and reinsurance/excess insurance, ICRMA is able to provide cost effective coverage with catastrophic loss protection for both Liability and Workers’ Compensation. Members pay an annual contribution consisting of actuarially determined losses, administrative expenses, and reinsurance/excess insurance.

ICRMA also leverages the purchasing power of the group to negotiate favorable rates for several other coverage programs, including:

Click here for an overview of all ICRMA programs.