The MRM Property & Liability Trust offers a wide range of essential and required insurance coverages, including Pennsylvania-specific coverage. It is designed to provide property, automobile, general and excess liability limits at competitive premium levels. In addition, its loss prevention, inspection and claims handling services help to reduce risks and costs so members can share in the financial benefits of the Program’s annual dividend payments.
It is a group property and liability pool that operates in accordance to Act 180, the Pennsylvania Intergovernmental Cooperation Act, and the Pennsylvania Political Sub-division Tort Claims Act. It is governed by a seven-member Board of Trustees.
Lines of coverage include Property Liability, Employment Practices Liability, General Liability, Property Liability, Automobile Liability, Automobile Damage. General Liability limits up to $10 million are available. Other municipal lines of coverage, such as Public Officials and Police Professional Liability, are available outside of the MRM Property & Liability Trust, in order to protect the overall claims performance of the Trust, since these claims are not covered by the caps set forth in the PA Political Subdivision Tort Claims Act.