Liability Program

Through a blend of self-insurance and reinsurance, ICRMA delivers $35M of limits per occurrence to its Liability Program members to protect them from third-party losses associated with tort liability, automobile liability, public officials’ errors and omissions, and employment practices liability.

2023-2024 Liability Memorandum of Coverage

Because each public agency has a unique risk appetite, members can determine how much risk they are willing to accept by selecting their self-insured retention. The chart below shows how the various layers of loss are funded from the member’s retentions.

Members have the choice between Carl Warren & Company or AdminSure, to oversee day-to-day claims management. ICRMA hires a Liability Program Manager to oversee claims likely to exceed the member’s retention and to ensure members and ICRMA receive the best results possible. ICRMA utilizes a third-party vendor to perform biennial claims audits on behalf of program members to ensure TPA claims handling is meeting ICRMA’s approved standards.

Liability Program Actuarial Study as of June 30, 2024

Special Notice for Unmanned Aircraft (Drone) Coverage

To ensure comprehensive coverage for any Unmanned Aircraft (Drone) owned by member Cities, ICRMA has developed specific guidelines under the Memorandum of Coverage (MOC) that must be adhered to. For additional important information and to ensure compliance with the Federal Aviation Administration (FAA) rules and regulations, please visit the FAA website.

Mid-Year Additions

If your city acquires a drone, it is crucial to report this acquisition along with the basic underwriting information. This step is necessary to ensure eligibility for coverage. To facilitate this process, we kindly request that you complete this questionnaire and send a copy to our dedicated broker team: Susan Blankenburg, Gallagher.

We strongly encourage prompt completion and submission of the questionnaire to ensure seamless coverage for your City’s Unmanned Aircraft (Drone) operation.

Report a Liability Claim

ICRMA member claims should be entered in the third-party claim administrator’s system within two working days of receipt of the loss. Within 30 days of the City’s receipt of notice of a claim, the Member is required to report the claim to ICRMA in accordance with the applicable Memorandum of Coverage (MOC). Some members have contractually transferred this responsibility to their selected TPA, but this remains the Member’s responsibility per the MOC.  ICRMA’s program manager will be responsible for reporting to ICRMA’s re-insurer(s) or excess insurer(s).

View the MOC for liability claim reporting requirements, or contact the Liability Program Manager (contact information located on the Contacts page).

All ICRMA reportable claims should be emailed to:

Public Crisis Event Coverage

Public Crisis Event Coverage provides payment for expenses incurred during an event that generates adverse multi-state or national news, or that has components of escalating intensity that interfere with normal operations of the City. ICRMA’s reinsurer will pay, on behalf of the Member City, reasonable and necessary expenses incurred during a crisis event. This program offers coverage from the first dollar and is not subject to a deductible or self-insured retention.

Crisis Events must be reported as soon as possible to trigger coverage. Members receive assistance from a crisis communication firm to respond to the media, and to maintain or restore public confidence in the Member agency. Please see the Crisis Response Protocol page for a complete description of the coverage, as well as reporting information.

Third Party Performance Standards

The ICRMA Governing Board adopted performance standards for liability TPAs to ensure appropriate claims handling.

Liability TPA Performance Standards

Defense Panel

Litigation Management Policies and Procedures (LMPP) 

*To locate the approved defense panel listing, please login to the member only side of the website.