Wisconsin Municipal Mutual Insurance Company

Name

Wisconsin Municipal Mutual Insurance Company

Legal name

Wisconsin Municipal Mutual Insurance Company

Website

https://wmmic.com

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Municipal Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Commercial General Liability (CGL) (FSAJADAA)

akta.pro secondary industries

Directors & Officers (D&O) Liability (FSAJADAF), Claims Administration & TPA Services (FNOL, Subrogation, Litigation Mgmt) (TLABANAH)

Keywords

• Municipal insurance coverage
• Public sector risk management
• Workers compensation insurance
• Liability insurance products
• Loss control services

Headquarters

HQ city

Madison

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: WMMIC provides group-supported, tailored insurance services for member cities, counties, and special districts, generating revenue through insurance premiums for coverages including General Liability, Auto Liability, Public Officials' Errors and Omissions Liability, Excess Workers' Compensation, Cyber Liability, Auto Physical Damage, and Property.
2. Claims Administration Services: WMMIC provides claims administration for members for their self-funded workers' compensation programs, including state reporting, fraud detection, OSHA adherence, and Third Party Administrator (TPA) services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Wisconsin Municipal Mutual Insurance Company (WMMIC) is a member-owned mutual insurance company that provides group-supported, tailored insurance coverage and risk management services to Wisconsin cities, counties, and special districts. It offers insurance products including General Liability, Auto Liability, Public Officials' Errors and Omissions Liability, Excess Workers' Compensation, Cyber Liability, Auto Physical Damage, and Property, complemented by member services such as claims management, loss control, training, Third Party Administration, and a Protective Services Specialist.

Product overview

WMMIC is a member-owned municipal mutual insurance company offering a coordinated portfolio of insurance products and member support services for Wisconsin cities, counties, and special districts. The core insurance portfolio includes General Liability, Auto Liability, Public Officials' Errors and Omissions Liability, Excess Workers' Compensation, Cyber Liability, Auto Physical Damage, and Property coverage. These insurance products are complemented by an exclusive suite of member services including Claims Support, Loss Control, Training & Guidance (both on-site and e-learning via partner platforms), Third Party Administration (TPA) services, a Protective Services Specialist supporting law enforcement and fire departments, and a Partnership Program offering reimbursement for risk management initiatives. The offering also includes a Member Portal providing real-time claims data and custom reporting.

Differentiator

Problem solved

Functional benefit

Products and services

• General Liability Core insurance coverage protecting member municipalities against third-party bodily injury, property damage, and personal injury claims.
• Auto Liability Coverage protecting member municipalities against claims arising from the operation of municipal vehicles.
• Auto Physical Damage Coverage for damage to municipal vehicles and fleet assets from covered incidents.
• Excess Workers' Compensation Excess workers' compensation coverage layer above members' self-funded programs, providing catastrophic loss protection for work-related injuries and illnesses.
• Property Insurance coverage for physical property owned by member municipalities, including buildings, equipment, and contents against covered perils.
• Cyber Liability Coverage protecting member municipalities against cyber incidents, data breaches, and network security liabilities.
• Public Officials' Errors and Omissions Liability Coverage protecting public officials and employees against claims of wrongful acts, negligence, or errors in the performance of their duties.
• Claims Support Professional and responsive claims management team handling the entire claims process from start to finish for liability and workers' compensation claims.
• Loss Control Risk management services assisting members with identifying, managing, and preventing hazards and loss exposures to reduce claims and improve safety outcomes.
• Training & Guidance On-site and online customizable safety, HR, protective services, and risk management training programs for member municipalities.
• Third Party Administration (TPA) Claims handling, state reporting, fraud detection, training, and OSHA adherence services for members' self-funded workers' compensation programs.
• Protective Services Specialized support for law enforcement and fire departments including accreditation guidance, jail audit coordination, peer support training, DSPS/OSHA consultation, on-site visits, and policy guidance, delivered by an in-house Protective Services Specialist.
• Partnership Program Reimbursement program offering funding for loss control and risk management initiatives including contracted training, equipment purchases, health and wellness programs, internal trainings, outreach programs, rewards and recognition, professional development, and accreditations.
• Member Portal Real-time claims data access, custom reporting, resource library, and member self-service platform accessible through a dedicated online portal.

Quantifiable outcome

• WMMIC provides its members with 30+ years of stable, cost-effective liability insurance as noted by City of Eau Claire.

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and supporting.

• GEM (Government Entities Mutual)coreStrategic or Co-development Partner · 1 January 2000WMMIC is a founding member of GEM, strategically joining this government entities mutual insurance pool. By the early 2000s, WMMIC joined GEM and started working with special districts, adding Dane, Kenosha, and Marathon counties as the 11th, 12th, and 13th members.
• AGRiP (Association of Governmental Risk Pools)coreOthersWMMIC maintains compliance with AGRiP Advisory Standards, demonstrating adherence to industry best practices for governmental risk pools.
• PRIMA (Public Risk Management Association)coreOthersWMMIC is a national and state member of PRIMA, the professional association for public risk management.
• MPIC (Municipal Property Insurance Corporation)coreStrategic or Co-development PartnerWMMIC is a founding member of MPIC, participating in this mutual insurance organization for municipal properties.
• Local Gov UsupportingTechnology or IntegrationWMMIC partners with Local Gov U to provide up-to-date, brief training videos and modules on a wide range of safety topics including lockout/tagout, driver's safety, and OSHA training.
• Safety NationalsupportingTechnology or IntegrationWMMIC partners with Safety National to provide e-training modules and to help improve and refine post-loss aspects of Workers' Compensation Programs, offering program assessment, cost containment, process improvement, and benchmarking.
• Safety Essentials OnlinesupportingTechnology or IntegrationWMMIC partners with Safety Essentials Online to provide online safety training modules and resources for member municipalities.
• ZywavesupportingTechnology or IntegrationWMMIC partners with Zywave to deliver up-to-date, brief training videos and modules on a wide range of safety topics for member cities, counties, and special districts.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• Public Risk Management Association (PRIMA): National association for public-sector risk managers and pools. WMMIC is a PRIMA member at national and state levels; PRIMA's broader membership includes comparable municipal pools and risk-management entities that define the competitive set.
• AGRiP (Association of Governmental Risk Pools): Industry association and standards body for governmental risk pools. WMMIC is AGRiP-compliant; AGRiP serves as both an industry gatekeeper and a network of comparable public-entity pools across the US.

Broad incumbents

• Municipal Property Insurance Corporation (MPIC): Mutual insurance corporation providing property coverage to municipal entities; WMMIC is a founding member. Comparable mission of pooling municipal risk, though focused more narrowly on property lines.
• Travelers Public Entity Practice: National commercial carrier with a dedicated public-entity insurance practice. Represents the broader commercial insurance competition that WMMIC's mutual structure was specifically created to displace in Wisconsin.
• Government Entities Mutual (GEM): Multi-state government-entity mutual insurance pool of which WMMIC is a founding member. Provides excess/reinsurance capacity and shared services to member pools like WMMIC, making it both a partner and a structural benchmark for pooled government risk.

Direct peers

• Wisconsin Local Government Property Insurance Fund (WLGPIF): State-chartered Wisconsin property insurance pool for local government units. Operates within the same Wisconsin municipal market as WMMIC and competes for similar public-entity property and liability coverage mandates.
• Cities and Villages Mutual Insurance Company (CVMIC): Wisconsin-based municipal mutual insurance company providing property and liability coverage to Wisconsin cities and villages. Most direct geographic and structural peer to WMMIC, serving overlapping Wisconsin public-entity customer base.

Regional players

• Michigan Municipal Risk Management Authority (MMRMA): Member-owned municipal risk management pool serving Michigan cities, villages, and authorities. Closely comparable mid-sized state-level municipal mutual with similar member-governance, pooled risk, and member-service model.
• Illinois Public Risk Fund (IPRF): Member-owned governmental risk pool serving Illinois public entities. Comparable model of municipal mutual pooling, with similar member-governance and multi-line coverage approach targeting a single Midwestern state.
• Michigan Municipal League Liability & Property Pool: Pooled insurance and risk management program operated through the Michigan Municipal League for member municipalities. Similar state-level pooled approach to WMMIC's Wisconsin municipal coverage model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/wisconsin-municipal-mutual-insurance-company

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Wisconsin Municipal Mutual Insurance Company