MIIA began in 1982 as municipal safety group that promoted safety and loss prevention for municipal employees. These practices, and the resulting reduction in on-the-job injuries, allowed participating cities and towns to take advantage of lower worker’s compensation insurance premiums.
On July 1, 1986, the MIIA Worker’s Compensation Group, Inc. was formed as a self-insured group under Chapter 152, Sec. 25E-25U, MGL. The Group provides Worker’s Compensation coverage to Massachusetts’s cities, towns and other governmental entities, while MIIA serves as Administrator.
MIIA subsequently formed the MIIA Property and Casualty Group under Ch. 40M, MGL in 1987 and the MIIA Health Benefits Trust in 1992. The Property and Casualty Group and the Worker’s Compensation Group merged in 1998. All of these programs provide insurance coverage to municipalities and other governmental entities in the Commonwealth. MIIA serves as administrator for these programs. MIIA, the Groups, and the Trust are non-profit organizations, governed by Boards of Directors and Trustees composed primarily of officials from member municipalities.
In addition to insurance coverage, the Groups provide a broad range of risk management services with emphasis on loss control and loss management. We hold the fundamental belief that cities, towns and all public entities are good insurance risks, and that they can manage their claims given the proper tools and proper level of service. High-quality wellness programs, risk management, claims administration, superior customer service, and a singular focus on local government have proven to be an extremely effective approach to public entity risk management.
MIIA was formed as an organization committed to the principles of trust, integrity, service, partnership, and competence. MIIA is governed with a unique understanding of the needs and perspectives of local government. After more than 25 years we are more convinced than ever that the MIIA model is sound, and that these operating values are vitally important.