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MIIA REWARDS PROGRAM

MIIA Rewards was developed to help reduce municipal and pool loss experience, educate members on issues of topical interest, and establish prevention and maintenance best practices.

The concept is simple: develop innovative programs in these areas and make it financially worthwhile for our members to implement them. It’s a program that educates members on topical issues while establishing best practices for prevention and maintenance. By participating in the program, you can earn premium credits towards your next policy year. On average, MIIA rewards over $2 million in annual premium credits to the MIIA membership, totaling $42.6 million to date. After all, the simpler and more rewarding we make our incentive programs, the more tools and know-how you’ll have to mitigate risk before it becomes a real problem.

FY23 Program Details:

The FY23 Rewards Program is now available. Each year the Rewards guidelines and criteria are developed based on the pool loss experience and member feedback. As a result of the increase in the frequency and severity of property loss in the MIIA pool in  FY21 and FY22, Rewards will continue to focus on property loss prevention while also addressing other municipal loss areas.

 

FY23 Rewards Member activities

Below is a list of member activities with accompanying resources (where available) which members can use to obtain MIIA Rewards Credits

AUTO Liability

Additional Resources 
Summary
Implement a new /revised/recently reviewed comprehensive Vehicle Use Policy
Vehicle Use policy 
Implement a new/revised / recently reviewed comprehensive Back up Policy
Sample backup policy

GENERAL LIABILITY

Additional Resources 
Summary
Develop a Cyber Incident Response Plan
Incident Response Plan Workshop Materials (MassCyberCenter)
Fully implement MFA/2FA  and Endpoint Detection Response Plan across all departments by January 1, 2023
MFA/2FA MIIA  Advisory
Sewer Program Preventative Maintenance Program
Sewer Maintenance Program
Camera Video Log
Camera - Video Log

PROPERTY

Additional Resources 
Summary

Implement a Mechanical Failure Prevention Program 
Mechanical Failure Loss Prevention 
Implement a Roof Inspection Program
Implement a Roof Inspection Program (requires photos)
Implement a Pipe Freeze-up Prevention Program
Pipe Freeze- up Prevention Checklist 
Implement a sprinkler system maintenance and freeze-up program 
Sprinkler System Pipe Freeze-up 
Implement a School Facilities Protection Program (Before and During Winter Closures)
Winter School Facilities Protection ChecklistSchool Winter Facilities Protection Program 
Implement a Unit Ventilator Maintenance Program
Unit Ventilator Maintenance Program
Unit Ventilator Maintenance Checklist
Implement a Thermography Fall Self Inspection program
Thermography Inspection Program

 

PROFESSIONAL LINES

Additional Resources        
Summary

 LAW ENFORCEMENT Liability

Implement a new/revised/reviewed policy on topics below
Anti Discrimination
Anti Discriminatory Policy
Code of Conduct
Employee Code of Conduct Policy
Code of Conduct Policy for Town Elected & Appointed Officials

Public Officials liability

Implement a new/revised/reviewed policy on topics below
Anti Discrimination
Anti Discriminatory Policy
Code of Conduct
Employee Code of Conduct Policy
Code of Conduct Policy for Town Elected & Appointed Officials

School board liability

Implement a new/revised/reviewed policy on topics below
Anti Discrimination
Anti Discriminatory Policy
Code of Conduct
Employee Code of Conduct Policy
Code of Conduct Policy for Town Elected & Appointed Officials

Workers Compensation

Additional Resources        
Summary

Submit a Job Hazard Analysis
JSA Form (job safety analysis)
OSHA JHA Template
OSHA JHA Template
OSHA JHA Pamphlet
OSHA JHA Pamphlet
Sample JHA
Sample JHA
SafetyWorks! Instructions on completing a Job Hazard Analysis
SafetyWorks
Implement an OSHA Incident  (Accident) Investigation program
OSHA Incident Action Investigation Guid

TRAINING

MIIA Training Eligibility 

Our Risk Management Department tracks ALL MIIA related training and your attendance is automatically applied to the applicable coverage line.  Rewards credits for training are applied as follows:
Less than 2 hrs = .25%    2 hrs - 5 hrs = .5%  Over 5 hrs= 1%