Texas Municipal League Intergovernmental Risk Pool

What Texas Municipal League Intergovernmental Risk Pool does

Texas Municipal League Intergovernmental Risk Pool (TML IRP) is a member-owned intergovernmental risk pool established in 1974 under Texas Local Government Code Chapter 172A, providing property, liability, workers' compensation, and cyber coverage to Texas cities and political subdivisions. The Pool operates as a self-insurance mechanism where members share risk collectively through interlocal agreements, with no profit motive. Core technology is a web-based member portal (members.tmlirp.org) supporting claims management, schedule management, reporting dashboards, and user access controls, supplemented by eRiskHub for cyber risk management, an Online Learning Center (localgovu.com/tmlirp) for DIR-certified training delivery and tracking, and an SMS text service for safety alerts.

TML IRP generates revenue through member contributions determined annually via a rerating process, with rates set individually per member. Distribution is direct and field-based, delivered by 8+ Risk Management Advisors, 12+ Safety and Loss Control Consultants, and Member Services Managers assigned to Texas geographic territories, with major engagement touchpoints at the TML Annual Conference and the TPCA Annual Conference. Member cities gain access to specialized programs including R.O.A.D. Ready roadway safety, the VINCIBLE officer training program (funded since 2015), DIR-certified AI and cybersecurity training, and the award-winning Local Officials: Stronger, Together podcast series. The Pool has expanded its product surface with the launch of HB 4144 Critical Illness Coverage (2025) and First Responder Leave Gap Coverage (October 2024).

The Pool serves over 200,000 local government employees statewide, covering approximately 800 law enforcement departments and processing around 10,000 workers' compensation claims annually. Strategic partnerships include TPCA, MetLife, AmWins Group Benefits, Texas Department of Information Resources, SynergyNDS for disaster recovery, and BEST Roofing for storm recovery. The Pool is governed by a Board of Trustees of municipal representatives, with executive leadership including Executive Director Jeff Thompson and Deputy Director/COO Lindsey Fields. The parent Texas Municipal League is investing in a multi-million-dollar headquarters relocation from Austin to Georgetown, expected in 2029.

Name

Texas Municipal League Intergovernmental Risk Pool

Legal name

Texas Municipal League Intergovernmental Risk Pool

Website

https://tmlirp.org

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

101–250 employees

Short description

Texas Municipal League Intergovernmental Risk Pool is a member-owned intergovernmental self-insurance pool, established in 1974 under Texas law, providing property, liability, workers' compensation, and cyber coverage to Texas cities and political subdivisions serving over 200,000 local government employees.

Ownership category

akta.pro rank

Headquarters

HQ city

Austin

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Member Contributions/Premiums: Cities and political subdivisions join the Pool through interlocal agreements and pay member contributions (essentially self-insurance premiums) to fund the pool. These contributions cover property, liability, workers' compensation, and cyber coverage for member entities. Rates are determined through rerating processes and communicated to members annually.
2. Critical Illness Coverage Administration: The Pool serves as master policy holder for H.B. 4144 critical illness coverage provided by MetLife and administered by AmWins Group Benefits. While the Pool's role is limited to policyholder administration and interlocal agreement approval, this generates administrative fees for facilitating member access to supplemental coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Texas Municipal League Intergovernmental Risk Pool (TMLIRP) is a member-owned intergovernmental risk pool established under Texas Local Government Code Chapter 172A that provides property, liability, workers' compensation, and cyber liability coverage to Texas cities and political subdivisions through interlocal agreements. Members pay recurring contributions to fund the pool and access value-added services including loss prevention consulting, training, specialized programs (R.O.A.D. Ready, VINCIBLE), and disaster recovery support.

Product overview

Texas Municipal League Intergovernmental Risk Pool operates as a self-insurance pool providing a comprehensive suite of risk management and insurance products for Texas local governments. The core offering consists of property, liability, workers' compensation, and cyber coverage delivered through a member-facing online Member Portal platform. The Pool supplements its coverage offerings with value-added services including the award-winning Local Officials: Stronger, Together Podcast Series, R.O.A.D. Ready roadway safety program, loss prevention services, and VINCIBLE law enforcement training. Additional specialized offerings include HB 4144 Critical Illness Coverage, SynergyNDS disaster recovery, BEST Roofing program, and Call Before You Fire hotline. The Pool also provides free cybersecurity tools through eRiskHub integration and DIR-certified AI/cybersecurity training for member compliance.

Differentiator

Problem solved

Functional benefit

Brands

• VINCIBLE: Officer safety training program created by the Texas Police Chiefs Association's Officer Safety Committee, focused on reducing law enforcement deaths through behavioral changes including body armor, seatbelt use, speed control, fitness, and situational awareness.
• R.O.A.D. Ready
• Stronger, Together Podcast
• Risky the Armadillo

Quantifiable outcome

• 50+ years of continuous operation serving Texas local governments
• +3 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, supporting and minor.

• Texas Police Chiefs Association (TPCA)coreStrategic or Co-development Partner · 21 October 2020Longstanding strategic partnership supporting law enforcement excellence in Texas. The Pool funds TPCA's Officer Safety Committee and VINCIBLE program which has produced over 420 weekly roll call training PowerPoints. The Pool also funds first-year fees for the Law Enforcement Agency Best Practices Recognition Program for member agencies. Partnership delivers functional benefits to Texas police agencies through training and best practices resources.
• MetLifecoreOthersMetLife provides critical illness insurance coverage as the carrier for H.B. 4144 compliance. The Pool serves as master policy holder, making coverage available to member cities through interlocal agreements. Coverage provides up to $100,000 supplemental income benefit for retiring firefighters and peace officers diagnosed with qualifying illnesses.
• AmWins Group BenefitscoreImplementation/ SI/ Consulting PartnerAmWins administers the H.B. 4144 critical illness coverage, facilitating member execution of interlocal agreements and binding coverage. Members work directly with AmWins to obtain coverage. AmWins provides FAQ documentation including rates and requirements. Contact: 800-313-7008 or [email protected].
• eRiskHub (via cyber risk management platform)coreTechnology or IntegrationeRiskHub provides cyber risk management tools for Pool members including pre-breach services (best practices, risk assessments, training, white papers) and post-breach services (breach response, notification, call center, legal services, crisis management). The Pool provides cyber coverage at no additional charge for members with liability and/or property coverage.
• SynergyNDSsupportingImplementation/ SI/ Consulting PartnerSynergyNDS provides turnkey recovery program for Pool members after hurricanes and disasters. The program assists with legalities of purchasing and rebuilding requirements after events. Associated with hurricane recovery video documentation and property damage recovery services.
• BEST Roofing (Scott Franklin and 4T Partnership)supportingImplementation/ SI/ Consulting PartnerBEST Roofing Program assists Pool members with roofing assessments and recovery after hail and storm events. Helps members navigate procurement and rebuilding processes for building envelope systems.
• Texas Department of Information Resources (DIR)coreStrategic or Co-development PartnerDIR certifies the Pool's AI and cybersecurity training programs for compliance with Texas Government Code Sections 2054.5191 and 2063.103. The Pool's training video and podcast (Episode 9D) are DIR-certified. DIR also certifies eligible training programs from other providers for state compliance.
• Jay BaerminorOthersCustomer experience expert who contributed to STP Podcast Episode 39, sharing the 'Be Quick, Be Clear, Be Kind' customer experience framework for local officials.
• Rick Randall (Randall Group 911)supportingOthersRetired Austin senior police chaplain and trainer who conducts Resilience Strategies for First Responders and Moving Right of Bang: Critical Incident Early Intervention Strategies workshops under TPCA's VINCIBLE program banner. Primary trainer for first responder mental health workshops.
• National Law Enforcement Officers Memorial Fund (NLEOMF)minorOthersNLEOMF provides data on law enforcement line-of-duty deaths. 2025 data showed 111 officer deaths, a 25% decrease from 2024 (148 deaths), representing a near-historic low. Used in STP Podcast Episode 46 discussing officer safety.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Zurich North America: Zurich's public sector practice serves municipalities with property, casualty, and specialty coverages. It competes against TMLIRP among larger Texas cities that may consider commercial alternatives to pooling.
• Travelers: Travelers is a large national commercial insurer with a public sector unit providing property, liability, and workers' compensation to municipalities. It is a broad incumbent competing against TMLIRP for Texas cities evaluating commercial alternatives.
• The Hartford Financial Services Group: The Hartford is a major commercial insurer with a dedicated public entity practice serving municipalities, schools, and law enforcement. It competes against TMLIRP in the broader public sector insurance market but lacks the mutual/member-owned structure and Texas-specific specialization.

Direct peers

• Florida League of Cities Insurance Programs: Florida League of Cities operates statewide insurance trusts serving municipal governments. It mirrors TMLIRP's state-level municipal pooling model, although it serves a different geography and faces different catastrophe exposures.
• Texas Association of Counties Risk Management Pool: TAC's Risk Management Pool provides coverage to Texas counties through a similar interlocal agreement structure. It is a direct competitor for Texas public entity risk pooling and serves an overlapping customer base with TMLIRP.
• Texas Association of School Boards Risk Management Fund: TASB's Risk Management Fund is a Texas intergovernmental pool providing property, liability, and workers' compensation coverage to public school districts. It shares TMLIRP's mutual pool structure, statutory basis, and exclusive focus on Texas public entities, making it the closest direct comparison.
• Michigan Municipal League Liability and Property Pool: Michigan Municipal League's pooled programs offer liability and property coverage to member cities. Comparable in mutual structure, member-driven governance, and value-added loss prevention services to TMLIRP's offerings.
• Missouri Intergovernmental Risk Management Association: MIRMA provides pooled property, liability, and workers' compensation coverage to Missouri public entities through intergovernmental agreements. Direct structural analog to TMLIRP with a parallel loss prevention and training model.
• California State Association of Counties Excess Insurance Authority: CSAC EIA is a joint powers authority providing excess insurance and risk management to California public agencies. Comparable to TMLIRP in pooled risk-sharing structure, member-focused loss control, and statutory underpinnings.

Regional players

• North Carolina League of Municipalities Insurance Trust: North Carolina League of Municipalities operates pooled insurance programs for NC cities. Comparable mutual, member-driven model to TMLIRP but serving a different state geography with no direct Texas overlap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/TML_RiskPool
• YouTubeyoutube.com/channel/UCCk9C8LXg9ncBGrFlog24Lg
• Facebookfacebook.com/TMLRiskPool
• LinkedInlinkedin.com/company/texas-municipal-league-intergovernmental-risk-pool
• Instagraminstagram.com/tml_riskpool

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Texas Municipal League Intergovernmental Risk Pool