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Your Risk Management Partner  Text Box: “IRMA is not just an insurer. It’s a partnership that provides members the total package:  phenomenal coverage, outstanding management services, and market stability, all at an incredible value. No other provider compares and that’s why Northfield has been a member  for over  thirty years.”
- Stacy Sigman, Village Manager, Northfield, IL (Charter member since 1979)
“This study demonstrates the cost advantage public entity pools have over the commercial market which must access business through agents (adding 10% to 17% in additional cost), must pay premiums and corporate taxes, and must provide an investment return to shareholders. Emphatically, these advantages seem to translate into a significant competitive advantage for IRMA.”
- Towers Perrin, 2008 Insurance Market Study
“IRMA’s overall risk management/safety and training services...are substantially beyond what other public entity pools offer to their member.”
 - Independent Consulting & Risk Management Services, LLC Audit 2008

In today's complex economic times, IRMA offers public entities an
extraordinary opportunity to stabilize costs, reduce risk and better
serve their constituencies. As a member-owned, self-governed public
risk pool, we exist solely to provide high quality risk management
services at substantial savings to municipalities like yours. We have
been championing our members' needs for over thirty years and are
proud to be one of the nation's most highly regarded risk pools. 
Please take a moment to discover what IRMA can do for you.


The Value of IRMA

Money matters at IRMA and members benefit financially in myriad
ways, among them:

  • A full spectrum of services to manage risk and prevent loss.
    As a result, members' claims frequency has been reduced
    during the past five years.
  • Surplus revenue is returned to members, not private owners
    or stockholders. Since 1989, the pool has given back over
    $87M in interest income credits to members.
  • Administrative costs are 9%-11% versus an estimated 25%
    or more for commercial providers.
  • IRMA's pricing averages more than 35% less than the
    commercial market according to the 2014 JLT Towers Re
    Insurance Market Comparison Study.
  • Members have access to grants, awards, sample best practice
    policies  and valuable online services such as Police Law
    Institute courses and supervisor training through My Community
    Workplace at no additional cost.

Our Advantage is Your Advantage

Our risk sharing pool is "by the people, for the people." Professionally
managed for the benefit of its members, IRMA is dedicated entirely
to addressing the risk management needs of local governments like
yours. As a group, spreading and sharing the cost of risk with other
high performing local governments, IRMA members gain many
valuable advantages such as:

  • Customized public entity coverage that exceeds the
    offerings of commercial carriers and is one of the most
    comprehensive programs available anywhere.
  • Long-term stability of pricing and membership. The IRMA
    contribution rate has decreased by more than 25% since 2009,
    and of the 93 public entities that have participated in IRMA
    since 1979, 69 remain members in 2014.
  • Flexible deductibles up to $250,000.
  • Exceptional in-house claims department that responds to
    members' needs beyond short term cost considerations, and
    is willing to defend rather than settle when warranted.
  • Litigation team comprised of experienced, proven trial
    attorneys specializing in municipal defense.
  • Extensive high quality risk management services including a
    comprehensive risk management program evaluation,
    consulting services, on-site inspections and training, and
    expansive regional training offerings.

It is because of the participation and guidance of our members that
IRMA continues to be one of the most distinguished public risk pools
in our state and nation. With a delegate from each entity sitting on
the Board of Directors, members have a direct voice in shaping the
policies and procedures that help create success for all. We would
welcome the opportunity to discuss further the many ways IRMA
can assist you in building and sustaining public confidence in your
entity, and encourage the progress that enables your town to thrive.




If you are experiencing technical problems, please send us an email.

Intergovernmental Risk Management Agency
Four Westbrook Corporate Center
Suite 940
Westchester, IL 60154
(708) 562-0300
(708) 562-0400 fax
(708) 562-0900 claims fax
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All information 2013 IRMA.