Liability-Auto-Property insurance programs and services you can count on.

As the leading insurance provider for Connecticut’s public sector, CIRMA offers premier Liability-Auto-Property (LAP) coverages, claim services, and risk management solutions to municipalities, public schools, and local public agencies.

The stability you need in an unstable world

Our solid and long-standing relationships with leading, A-rated or better insurance carriers enable us to negotiate and place coverage at the most competitive premiums possible. We’ve earned our members’ trust by providing reliable and unmatched protections and rate stability for over 40 years.

We exclusively serve Connecticut’s public sector. Our dedicated underwriters intimately understand your unique risks and our Risk Management and Claim professionals help you manage them.

Members’ equity distribution

Our exceptional financial strength allows us to distribute a percentage of CIRMA’s Members’ Equity to eligible members. Over the last eleven years, total distributions have reached nearly $42M.

Exclusive multi-year rate agreements

Our members are faced with uncertainty each and every day. That’s why we offer exclusive multi-year rate agreements that provide the budget stability they need and deserve.

Unlimited risk management services

Enjoy dedicated and specialized expertise available through workshops, onsite training, and consultative services, as well as access to competitive online training programs—all tailored to Connecticut’s public sector.

Platinum-standard claims solutions.

Local teams. Immediate support.

Our auto-property claims and restoration specialists resolve claims promptly and expertly, preventing costs from escalating and returning you to full operations as quickly as possible.

We know Connecticut.

And we go deep on legislative issues so you don’t need to. CIRMA’s LAP Claim professionals offer the expertise that you simply won’t experience with another insurance provider. Our Connecticut municipal law and immunities and defense expertise cannot be matched.

Exclusive access to our employment practices liability helpline

Peace of mind is just a phone call away. Our members get the support they need to successfully navigate an ever-evolving and often complex legal employment practices landscape.

Law enforcement liability critical response team

Our team offers the resources you need during a potentially high-exposure police liability claim. Now, more than ever, the stakes are high—both in terms of our members’ liability and their long-term relationship with the community.

Complimentary contract review services

This exclusive value-add service provides you with the guidance you need before entering into a contractual agreement. Our team will help you understand and mitigate the risks you face when entering into agreements.

Wellness At Work

The adoption of workplace social and emotional health programs skyrocketed over the past two years due to heightened visibility during the pandemic when remote…

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Preventing Tick-borne Disease Exposure

In Connecticut, occupational exposure to tick-borne diseases is a recognized hazard. Outdoor workers must protect themselves in the spring, summer, and fall when ticks…

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Preventing Sprains & Strains

Sprain and strain injuries are the most common and costly workplace injuries. Employees can injure their knee, shoulder, wrist, or back while performing everyday…

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Water you waiting for?

Claims involving dehydration and heat exhaustion can be costly—Connecticut municipalities experienced over $150 million in related medical expense losses alone over the past five…

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Bee Safe

Bee and wasp stings are a common summer nuisance that can turn deadly if the victim develops a severe allergic reaction (anaphylaxis). Public Health…

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Customized LAP programs and coverage enhancements

We provide bespoke layers of protection and go above and beyond to ensure your program fits your needs of today and tomorrow. Our specially-curated coverage enhancements are available to our members at no additional charge. 

Let CIRMA create a tailored LAP insurance program that fits your needs today.

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