MMIA

What MMIA does

Montana Municipal Interlocal Authority (MMIA) is a member-owned interlocal authority established in 1986 and headquartered in Helena, Montana, that provides self-funded insurance coverage and risk management services to 127 incorporated Montana cities and towns. MMIA operates four core coverage programs - Liability, Property, Workers' Compensation (with new coverage ending July 1, 2026), and Employee Benefits - structured as pooled risk funds rather than as an insurance company. Member-owners elect the Board of Directors from among themselves, contribute to pooled funds based on actuarial assessments of their own experience, and receive program earnings above established reserves returned to the pools. Add-on coverages include standalone Cyber Coverage (underwritten by Beazley through Alliant Insurance Services), Special Event Coverage (distributed via the Independent Insurance Association of Montana), and Notary Bonding Services.

The organization is supported by a small dedicated staff of 11-50 employees, with staff turnover below 3%, and delivers member services through the Origami Risk Portal - a third-party SaaS platform used for claims filing, property schedule management, and incident reporting. Adjacent risk management services include on-site training, custom webinars, e-learning, the Praesidium-powered Child Abuse Prevention Program, and a Risk Management Training Endowment that funds up to $4,000 per member annually for training initiatives.

MMIA's go-to-market is community-led and field-based: long-standing strategic alliances with the Montana League of Cities and Towns, MSU Local Government Center, and the Montana Association of Counties generate referrals and co-marketed events such as Municipal Summits and the Executive Forum. The revenue model is subscription-style recurring member contributions rather than commercial premiums, with rates set annually through public board meetings based on member experience rather than national insurance market trends. Operating exclusively within Montana under state interlocal-authority law, MMIA is functionally a closed-loop cooperative serving the entire Montana municipal universe.

Name

MMIA

Legal name

Montana Municipal Interlocal Authority

Website

https://mmia.net

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

11–50 employees

Short description

MMIA is a member-owned interlocal authority providing self-funded liability, property, workers' compensation, and employee benefits coverage plus risk management services to 127 incorporated Montana cities and towns.

Ownership category

akta.pro rank

Product category

Municipal Insurance Pooling & Government Risk Management

NAICS

Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Services-Membership Organizations (8600)

akta.pro primary industry

Self-Funded (ERISA) Employer Plans (HLAEAAAC)

akta.pro secondary industry

Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

Keywords

• Municipal insurance pooling
• Liability coverage programs
• Workers compensation coverage
• Employee benefits administration
• Risk management services

Headquarters

HQ city

Helena

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Others, Technology or R&D, Marketing or Sales

Revenue model

1. Self-Funded Pool Contributions: Member-owner municipalities contribute to pooled funds for liability, property, workers' compensation, and employee benefits coverage. Contributions are based on actuarial assessments and member experience rather than national trends. Program earnings over established reserves are returned to the pools and member-owners.
2. Member Assessments: Member-owners pay assessments based on their risk exposures and loss history. Rates are set annually through public board meetings and are experience-based rather than market-driven.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

MMIA is a member-owned, self-funded governmental insurance pool that provides liability, property, workers' compensation, employee benefits, cyber, special event, and notary bonding coverage to Montana municipalities, cities, and towns. Members contribute recurring payments into the pool and receive integrated risk management services, training, and claims support. Coverage is tailored specifically for the legal, operational, and risk profile of municipal government entities rather than for commercial insureds.

Product overview

MMIA operates as a member-owned self-funded insurance pool offering multiple integrated coverage programs and risk management services for Montana municipalities. The core portfolio includes Employee Benefits, Liability Program, Property Program, and Workers' Compensation (with coverage ending July 1, 2026). Add-on coverages include Cyber Coverage (underwritten by Beazley through Alliant Insurance Services), Special Event Coverage (via IIAM partnership), and Notary Bonding Services. Supporting services encompass Risk Management Services with training, outreach programs, and the Risk Management Training Endowment. The programs are designed to work together—municipalities must join the Liability Program to participate in the Property Program. Member-owners access coverage management through the Origami Risk Portal.

Differentiator

Problem solved

Functional benefit

Brands

• MMIA Employee Benefits: Separate employee benefits program website (mmiaeb.net) offering health and wellness benefits to member municipalities.

Products and services

• Employee Benefits

Quantifiable outcome

• Staff turnover less than 3%
• +1 more outcomes

Named customers9 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Montana League of Cities and TownscoreStrategic or Co-development Partner · 1 January 1986Long-standing strategic partnership for coordination of Municipal Summits, joint newsletter publication (MMIA News and Views now cobranded), and League Conference participation. MMIA provides risk management resources and coverage information to League members.
• MSU Local Government CentercoreStrategic or Co-development Partner · 1 January 1986Partnership with Montana State University Local Government Center for technical assistance and governance support for municipal members. Collaborates on New Clerk Resources page and provides governance packages.
• Montana Association of CountiesminorStrategic or Co-development Partner · 1 January 1986Strategic partner listed among relationships with key Montana municipal and county organizations.
• Montana Law Enforcement Academy / DOJ MontanaminorStrategic or Co-development PartnerPartner organization referenced in municipal training and education initiatives.
• Alliant Insurance ServicescoreChannel Partner/ Reseller/ DistributorInsurance broker facilitating pollution liability coverage through commercial policy and notary bonding services for member-owners. Processes notary bond applications and provides current rates.
• Independent Insurance Association of MontanacoreChannel Partner/ Reseller/ DistributorPartnership to provide Special Events Liability Coverage for events on municipal property. IIAM's network of authorized agencies offers easy and affordable short-term coverage for private event holders.
• Praesidium Inc.coreStrategic or Co-development PartnerPartnership with industry-leading Praesidium Inc. to provide child abuse prevention resources including the Praesidium Assessment Tool and Praesidium Academy online training for member municipal operations.
• BeazleycoreChannel Partner/ Reseller/ DistributorPrivate commercial insurance carrier providing cyber liability coverage (Information Security and Privacy Insurance with Electronic Media Liability Coverage) as standalone policy underwritten by Beazley and brokered by Alliant Insurance Services for Property Program members.
• Origami RiskcoreTechnology or IntegrationTechnology platform providing member portal for claims filing, property schedule management, and incident reporting. Members access portal for day-to-day operations and claims management.
• CISA (Cybersecurity and Infrastructure Security Agency)minorStrategic or Co-development PartnerFree Cyber Hygiene Services and assessments available to members through CISA contacts for vulnerability scanning and security evaluations.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Washington Cities Insurance Authority: A Washington-state municipal insurance authority pooling liability and property coverage for cities and towns. Operates the same cooperative/interlocal model as MMIA for member municipalities in a single state.
• Michigan Municipal Risk Management Authority (MMRMA): Member-owned risk management authority providing liability and property coverage to Michigan municipalities. Closely mirrors MMIA's interlocal authority structure and pooled-fund approach.
• Texas Municipal League Intergovernmental Risk Pool (TML IRP): Intergovernmental risk pool providing liability, property, and workers' compensation coverage to Texas cities. Directly comparable as a state-level municipal self-funded pool with member-owned governance.
• Public Risk Innovation, Solutions, and Management (PRISM): California-based public agency risk pool serving cities, counties, and special districts with liability, property, and workers' compensation. Comparable as a multi-line governmental self-funded pool with shared mission and structure.
• Iowa Communities Assurance Pool (ICAP): Iowa municipal insurance pool providing property, casualty, and related coverage to cities. Operates the same single-state municipal-pooling model as MMIA.
• Cities of Wyoming Joint Powers Insurance Pool: Joint powers insurance pool serving Wyoming municipalities with liability and property coverage. Geographic and structural near-twin to MMIA given similarly low-population Mountain-West municipal base.
• NC League of Municipalities Insurance Programs: Insurance pools operated by the North Carolina League of Municipalities providing liability, property, and related coverage to member cities and towns. Comparable League-affiliated municipal pool model.
• Oregon Municipal Insurance Pool: Municipal self-funded insurance pool serving Oregon cities with property and liability coverage. Directly comparable state-level municipal risk pool.

Broad incumbents

• Alliant Insurance Services: National insurance brokerage that brokers MMIA's cyber, pollution liability, and notary bonding coverages. Adjacent incumbent operating broadly across public-entity insurance and benefits.

Regional players

• Montana Association of Counties (MACo): Statewide association representing Montana counties — a strategic partner of MMIA. Not a direct pool operator, but the analogous governmental membership organization whose members represent an adjacent segment MMIA could extend into.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mmia

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MMIA