Search CompleteMarkets

... of public entities, including: City and County Governments Towns, Villag...his program?This program is ideal for city and county governments, townships, emergency response ...

...is specifically designed for: City, county, and state-owned museums or hi... facilities Whether your client is a city hall displaying regional artwork or...

...nts and Appetite Municipal governments: boroughs, cities, towns, township...

...ecialty underwriting, flexible capacity, and access to well-capitalized market...rong fit when clients need higher capacity, excess or reinsurance placements, ...

...lly closed after a storm A small city where a central retail zone generates ...rtise with access to AIG’s global capacity, delivering a market focused on nic...

...rcial plaza and is required by the city to upgrade curbs and sidewalks adjoini...

...and attachments Public entities (city/county) and contractors where values a...y government entities acceptable?Yes. City and county governmental entities ar...

...contractors Municipalities and city governments (large deductible options availabl...

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 What types of accounts are a good fit for this program?Public entities in Illinois such as counties, municipalities, townships, public schools, and special districts are ideal candidates. Is this program only available in Illinois?Yes, the ICRMT Insurance Program is currently offered exclusively in Illinois. What is the minimum premium for submissions?The minimum premium for this program is $10,000. Can I submit business directly to IPMG?No, the ICRMT program is available exclusively through independent insurance agents. What services are included along with insurance coverage?In addition to comprehensive coverage, IPMG offers access to law enforcement training via PATC and claims management tools through its In-Sight system. Need help placing an account? Connect with a market specialist.