ERMA
ERMA is a California Joint Powers Authority, established in 1999, providing employment practices liability coverage and loss prevention services to more than 200 California public entities including cities, counties, transit, and housing authorities.
- Company typePrivate
- Founded1999
- HeadquartersSacramento, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What ERMA does
ERMA (Employment Risk Management Authority) is a California Joint Powers Authority established July 1, 1999 to provide broad employment practices liability (EPL) coverage and tailored loss prevention services to California public entities. It operates as a risk-sharing pool — a public agency formed by agreement among its member entities — and currently covers more than 200 California public agencies including cities, counties, transit authorities, housing authorities, mosquito vector control districts, and other JPAs. ERMA holds the CAJPA "Accredited with Excellence" designation, the highest accreditation awarded by the California Association of Joint Powers Authorities.
The organization's core product is broad EPL coverage complemented by an integrated loss-prevention stack: the ERMAnet online training platform (powered by third-party iLearning Engines) delivering 24/7 AB 1825, AB 1234, and SB 1343 compliance training; the Employee Protection Line anonymous reporting hotline; an Attorney Hotline offering one free hour per month of legal consultation from partner firms Jackson Lewis and Liebert Cassidy Whitmore; approved Defense and Investigator Panels for litigated claims; and grant/reimbursement programs funding member training and policy modernization. Day-to-day administration is outsourced to Sedgwick under contract, covering underwriting, claims, litigation, finance, and risk management.
ERMA's business model is membership-based and recurring: California public entities join as members through formal agreements, pay annual assessments for EPL coverage and loss prevention services, and participate in a Board of Directors governance structure composed of member-agency representatives. Distribution is direct to public-sector buyers within California only; marketing relies on the ERMA website, training bulletins, an annual workshop, board/committee meetings, and live regional trainings. Revenue is not publicly disclosed.
ERMA firmographics
Firmographics- Name
- ERMA
- Legal name
- Employment Risk Management Authority
- Website
- https://ermajpa.org
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- ERMA is a California Joint Powers Authority, established in 1999, providing employment practices liability coverage and loss prevention services to more than 200 California public entities including cities, counties, transit, and housing authorities.
- Ownership category
- akta.pro rank
ERMA industry classification
Industry- Product category
- Public Entity Risk Pooling / Employment Practices Liability Insurance
- NAICS
- Public Administration (92)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Enterprise Risk Management (ERM) Advisory (BPAHAFAA)
Keywords
Where ERMA is headquartered
LocationHeadquarters
- HQ city
- Sacramento
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ERMA business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Member Assessments: ERMA generates revenue through member assessments and contributions from California public entities that join the Joint Powers Authority. Members pay for broad employment practices liability coverage and tailored loss prevention services.
- Training and Risk Management Reimbursement Program: Each member is allocated $2,500 per program year for eligible employment-related training and loss control expenditures. This is a reimbursement program where members receive funds back for qualifying activities.
- Employment Policies and Procedures Support Fund: One-time grants ranging from $1,250 to $2,250 per member for policy update support on employment practices policies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Training and Risk Management Reimbursement - $2,500 per member per program year |
| Subscription | Multi-year contract | Employment Policies Support Fund Grant - $1,250 to $2,250 one-time per member |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
ERMA product offering
Product offeringCore offering
ERMA is a California Joint Powers Authority that provides Employment Practices Liability (EPL) coverage and tailored loss prevention services to California public entities. Members access bundled services including EPL coverage, claims and litigation management, the ERMAnet online training platform (AB 1825/AB 1234/SB 1343), an anonymous Employee Protection Line, an Attorney Hotline, and reimbursement/grant programs for training and policy updates. ERMA currently covers more than 200 California public entities and is administered under contract by Sedgwick.
Product overview
ERMA (Employment Risk Management Authority) is a statewide joint powers authority offering a unified risk management platform for California public entities. The core offering consists of Employment Practices Liability (EPL) Coverage combined with loss prevention services. The product portfolio includes ERMANet Online Training Platform for AB 1825/AB 1234/SB 1343 compliance training, Employee Protection Line for anonymous wrongdoing reporting, Attorney Hotline providing free legal consultation, Defense Panel and Investigator Panel for claims handling, and Claim Services for internal claims management. Additional services include the Elected Officials Training Program, Training & Risk Management Reimbursement Program (up to $2,500/year), and Employment Policies and Procedures Support Fund grant. ERMA also provides various online forms for training requests, contact updates, and claim reporting.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Covers more than 200 public entities throughout California
- +1 more outcomes
Companies that use ERMA
Customer profileNamed customers12 records
Segments1 record
Ideal customer profiles1 record
ERMA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
ERMA partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- SedgwickcoreSedgwick manages all day-to-day operations of ERMA including general administrative, financial management, underwriting, loss prevention, claims management, litigation management, risk management, accounting, and other necessary services. Contact: Rob Kramer, (916) 244-1117.
- Jackson Lewis, P.C.coreAttorney Partner firm specializing in defending public sector employment practices claims. Provides one hour of free legal advice per month to ERMA members through the Attorney Hotline. Also provides AB 1825 training facilitation and MCLE credit. Contact: Shane Larsen, (916) 288-3024.
- Liebert Cassidy WhitmorecoreAttorney Partner firm specializing in defending public sector employment practices claims. Provides one hour of free legal advice per month to ERMA members through the Attorney Hotline. Partners with ERMA on Elected & Appointed Officials Training. Contact: Elizabeth Arce, (310) 981-2000.
- iLearning EnginescoreProvides the ERMAnet online training platform for 24/7 access to AB 1825, AB 1234, and SB 1343 training. Also powers the Employee Protection Line for anonymous wrongdoing reporting. Contact: Traci Maxey, (918) 794-9227.
- Alliston Law OfficeminorBoard Counsel for ERMA. Contact: Doug Alliston, (916) 860-1357.
- CPS HR ConsultingminorTraining provider partner offering courses classified by six position levels - Mandated, Administrative, Analyst, Supervisor/Manager, Leadership and All Audiences - in various employment-related topics.
- Society for Human Resource Management (SHRM)minorTraining partner offering competency-based human resources education opportunities with industry-specific information and legislative updates.
- Regional Government Services (RGS)minorTraining provider offering regional Supervisor/Manager and Lead/Senior level leadership academies that can be facilitated at member agencies, featuring three full training days across three consecutive months.
- League of California CitiesminorTraining partner offering professional department conferences focused on policy issues and skill development for city positions.
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
ERMA competitors and assessment
Company assessmentDirect peers
- Public Entity Risk Management Authority (PERMA): California JPA providing risk management and insurance coverage to public agencies statewide. Operates a similar pool structure to ERMA, with overlapping member entities listed among ERMA's customer roster.
- California Intergovernmental Risk Authority (CIRA): California JPA formed by public agencies to share risk and provide pooled coverage. Both ERMA and CIRA serve California governmental entities through similar member-driven governance.
- California Transit Indemnity Pool (CalTIP): California JPA providing liability and property coverage specifically to transit agencies. Operates an analogous pooled risk structure to ERMA, focused on a California public-entity vertical.
- Municipal Pooling Authority (MPA): California JPA pooling risk among municipal agencies. Operates a structurally analogous model — member-owned, pooled coverage — to ERMA in the same California public-entity segment.
- CSAC Excess Insurance Authority (CSAC-EIA): California JPA providing excess insurance and risk management services to counties and other public agencies. Similar pooled-coverage model and California public-entity client base as ERMA.
- Small Cities Organized Risk Effort (SCORE): California JPA serving smaller public agencies with pooled risk coverage. Comparable member-driven model and California public-entity focus as ERMA.
Others
- PRIMA (Public Risk Management Association): National membership association serving public sector risk managers. Provides networking, benchmarking, and educational resources that influence purchasing decisions for entities similar to ERMA's member base.
- Sedgwick: Third-party administrator managing ERMA's day-to-day operations — underwriting, claims, litigation, financial, and risk management services. Also operates competing claims and risk management services for other public-entity pools nationally.
Broad incumbents
- Alliant Insurance Services: Large national insurance brokerage with a substantial public entity practice. Competes for California public-entity EPL and broader coverage business that could otherwise flow through ERMA.
- Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with a dedicated public entity practice. Offers competing EPL and pooled coverage solutions to California public agencies.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
ERMA compliance and trust
Trust signalCompliance1 record
ERMA financial estimates
Financial estimateRevenue estimate
Valuation estimate
ERMA leadership team
Management profileNumber of profiles
Profiles28 records
ERMA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ERMA M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ERMA
What does ERMA do?
ERMA is a California Joint Powers Authority that provides Employment Practices Liability (EPL) coverage and tailored loss prevention services to California public entities. Members access bundled services including EPL coverage, claims and litigation management, the ERMAnet online training platform (AB 1825/AB 1234/SB 1343), an anonymous Employee Protection Line, an Attorney Hotline, and reimbursement/grant programs for training and policy updates. ERMA currently covers more than 200 California public entities and is administered under contract by Sedgwick.
Is ERMA a public or private company?
ERMA is a private company. It is classified as state government owned and is currently operating.
When was ERMA founded?
ERMA was founded in 1999. It employs 51 to 100 people.
Where is ERMA based?
ERMA is headquartered in Sacramento, United States, in the North America region.
How does ERMA make money?
Three revenue lines are on record. Member Assessments are the primary driver. The others are training and Risk Management Reimbursement Program and employment Policies and Procedures Support Fund.
Who are ERMA's main competitors?
Direct peers on record are Public Entity Risk Management Authority (PERMA), California Intergovernmental Risk Authority (CIRA), California Transit Indemnity Pool (CalTIP), Municipal Pooling Authority (MPA), CSAC Excess Insurance Authority (CSAC-EIA) and Small Cities Organized Risk Effort (SCORE). Others are PRIMA (Public Risk Management Association) and Sedgwick. Broad incumbents are Alliant Insurance Services and Arthur J. Gallagher & Co..
Does ERMA have an API?
No public API is recorded for ERMA.
What industry is ERMA in?
ERMA's product category is Public Entity Risk Pooling / Employment Practices Liability Insurance. Its primary akta.pro industry code is BPAHAFAA, Enterprise Risk Management (ERM) Advisory. Its NAICS code is 92 and its SIC code is 6411.