ICRMT Insurance Program

ICRMT Insurance Program from IPMG

For more than 30 years, the Illinois Counties Risk Management Trust (ICRMT) has provided tailored insurance and risk-management solutions for public entities across Illinois. Administered by Insurance Program Managers Group (IPMG) since 1997, the ICRMT Insurance Program now serves more than 290 public entities, including nearly half of Illinois’ counties.

This program is offered exclusively through independent agents and is designed to be a reliable market for public-sector clients. Coverage is available in Illinois with a program minimum premium of $10,000.

Ideal Accounts and Target Classes

IPMG’s ICRMT program focuses on public and quasi-public organizations. Key target classes include:

• County jails and correctional facilities
• County health departments
• County nursing homes
• Municipalities (including water, sewer, and utility operations)
• Townships
• Public school districts
• Special districts

The program accommodates a wide range of public-sector needs — from specialized liability for law enforcement to combined property and casualty placements for municipal operations.

Coverage Highlights and Program Advantages

ICRMT bundles essential lines of coverage into a single program tailored for public entities. Notable coverages and services include:

• Property and casualty
• General liability
• Law enforcement liability
• Public officials liability
• Workers’ compensation
• Auto liability and physical damage
• Cyber liability and other ancillary coverages

Beyond insurance forms, the program includes practical risk-control and claims tools that benefit insureds and ease administration for agents:

• Access to the Public Agency Training Council (PATC) for law-enforcement training, policy-management resources, and onsite consultation
• IPMG’s In-Sight claims system for real-time claim tracking, reporting, and direct communication with adjusters, nurse case managers, and risk managers

Underwriting Notes and Minimum Premium

The ICRMT program underwrites public entities in Illinois and evaluates risks based on exposure, operations, and loss history. The program requires a minimum premium of $10,000 and is available only through independent insurance agents. Typical underwriting considerations include facility type, staffing and training practices, safety protocols, and prior claims experience.

Program Availability

This program is currently available in Illinois. Admitted coverages may be available in some lines depending on the specific risk profile and coverage requested.

Why Place Public-Entity Business With IPMG

IPMG brings deep public-sector experience, a stable long-term market relationship with ICRMT, and program-level services that help reduce loss frequency and severity. Agents placing business with IPMG benefit from responsive underwriting, integrated claims tools, and training resources that add value for public-entity clients.

The ICRMT program is a good option when your client needs comprehensive, coordinated coverage for public operations and prefers a program tailored to the unique exposures of government entities.

Example Accounts That Fit

• A mid-sized county seeking consolidated property, liability, law enforcement, and workers’ comp coverage for its public-safety and health departments.
• A township operating municipal water and sewer utilities that needs combined liability and auto physical damage coverage with access to training resources.

To place business, submit risks through your broker channel—IPMG works exclusively with independent agents to evaluate and bind accounts.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.