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 twelve 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.
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.
Don’t Miss Out: Cyber Assessments for CT Municipalities
New cyber assessment resources are available to help your public entity address evolving cybersecurity threats head-on.
Still Using Weak Passwords? Do This Instead.
Despite being widely known as the first line of defense in avoiding cyber-related incidents, passwords have long been firmly established as the weakest link in…
The Scary Truth: Phishing Cyberattacks
Over 90% of data breaches and hacks result from phishing scams that appear most frequently through emails, where criminals pose as legitimate institutions to obtain…
Whitepaper: Create a Home Work Environment that Works for You
Creating a home workspace does not require extraordinary upgrades to your home or even purchasing fancy office equipment. Setting up a workspace with basic…
Social Engineering: How to Protect Your Municipality
Social engineering cyberattacks are becoming increasingly prevalent, costing municipalities millions annually. According to IBM’s latest Data Breach Report, social engineering attacks cost an average…
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…
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…
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…
Bee and wasp stings are a common summer nuisance that can turn deadly if the victim develops a severe allergic reaction (anaphylaxis). Public Health…
Customized LAP programs and coverage enhancements
CIRMA members benefit from additional layers of protection through our specially-curated coverage enhancements. CIRMA’s insurance program enhancements are yet another example of how we go above and beyond to ensure you have the protections you need and the peace of mind you deserve.