What MIIA SERVICES INC. does

MIIA Services Inc., legally the Massachusetts Interlocal Insurance Association, Inc., is a not-for-profit, member-owned interlocal insurance association founded in 1982 and headquartered at 3 Center Plaza, Suite 610, Boston. It operates as a Membership Service of the Massachusetts Municipal Association (MMA) and serves 400+ city, town, and regional school district members across the Commonwealth of Massachusetts. Its core function is to pool risk and deliver insurance, risk management, training, and wellness programming that individual municipalities could not economically procure on their own. The organization is governed by a Board of Directors, and there is no equity ownership, VC funding, or public-market listing.

The product portfolio spans property and liability insurance, workers compensation, health/dental/vision insurance, cyber liability, builders risk, supplemental group benefits, and unemployment services. Layered on top of the insurance book are risk management consulting (DLS/OSHA compliance, safety committee guidance, property valuations, ergonomic evaluations, driver training, EVOC and fire training), a Rewards Program that returns premium credits to members for loss-prevention activities, an Employee Assistance Program delivered through AllOne Health, an HR tools stack delivered through Zywave, disaster recovery through Agility Recovery, and the Well Aware wellness program including Ompractice live fitness classes and mental-health screening tools. The technology layer is a web-based member portal (emiia.org) supported by third-party platforms for claims (Origami Risk), HR (Zywave), video (Vimeo), and analytics (Google Analytics); there is no disclosed proprietary technology or AI capability.

The business model is a subscription/recurring pooled-insurance model: members pay annual premiums and membership fees, MIIA pools the risk across the membership, retains a portion for claims and operating costs, and returns excess and incentive credits to members (over $2 million annually, $49.6 million cumulatively). Distribution is exclusively direct to Massachusetts municipalities through the MMA relationship, a member-services team, and dedicated MIIA Risk Managers; the operating-geography data explicitly restricts services to the Commonwealth of Massachusetts. The go-to-market is sales-led and membership-based, with no pricing publicly disclosed because each municipality's premiums and fees are tailored to coverage requirements and risk profile.

Name

MIIA SERVICES INC.

Legal name

Massachusetts Interlocal Insurance Association, Inc.

Website

https://emiia.org

Company type

Private

Founded year

1982

Operating status

Operating

Short description

MIIA Services Inc. is a Massachusetts not-for-profit interlocal insurance association that provides pooled property, liability, workers compensation, and health insurance plus risk management, training, and wellness programs to 400+ municipal members across the Commonwealth.

Ownership category

akta.pro rank

Product category

Municipal Insurance and Risk Management Services

NAICS

Insurance and Employee Benefit Funds (5251), Other Insurance Funds (52519)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Services-Membership Organizations (8600)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Municipal insurance pools
• Public sector risk management
• Workers compensation coverage
• Employee wellness programs
• OSHA compliance training

Headquarters

HQ city

Boston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: MIIA generates revenue through pooled insurance premiums from its municipal members. The organization provides property and liability insurance, workers compensation, and health/dental/vision insurance to member municipalities.
2. Membership Fees: Municipalities pay membership fees to participate in the MIIA risk pool and access all services including risk management, training, wellness programs, and the rewards incentive program.
3. Risk Management and Rewards Program Credits: MIIA offers a Rewards Program where members can earn premium credits by participating in training and risk mitigation activities. On average, MIIA rewards over $2 million in annual premium credits to members, totaling $49.6 million to date.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

MIIA is a not-for-profit interlocal insurance association that provides pooled property and liability insurance, workers compensation, health/dental/vision insurance, and cyber liability coverage to 400+ Massachusetts municipalities. Members also receive risk management consulting, OSHA/DLS compliance training, driver training, an Employee Assistance Program, wellness programming, and a Rewards Program that returns premium credits for loss prevention activities.

Product overview

MIIA (Massachusetts Interlocal Insurance Association) is a membership-based insurance association serving 400+ municipal members across Massachusetts. The organization operates as a suite of insurance and risk management products rather than a unified platform. Core offerings include Cyber Liability Protection, Health/Dental/Vision Insurance, Property and Liability Insurance, and Workers Compensation. These are supported by Risk Management Services (DLS/OSHA compliance consulting, safety committee guidance, property valuations, driver training) and the Well Aware Wellness Program (fitness classes, mental health resources, nutrition programs, wellness coaching). Additional programs include the Rewards Program (premium credits for loss prevention activities), Employee Assistance Program (via AllOne Health), Grants Program, and specialized offerings like Police Accreditation Reimbursement, Builders Risk, Supplemental Group Benefits, and Zywave HR Tools. Training services encompass driver training (simulator, EVOC, online programs), EAP seminars, and OSHA/DLS compliance training cataloged by category.

Differentiator

Problem solved

Functional benefit

Products and services

• Cyber Liability Protection Insurance coverage and resources for cyber risks including data breaches, network security incidents, and privacy liability for Massachusetts municipalities, including CyberNet training, cyber advisories, and breach reporting tools.
• Health, Dental, and Vision Insurance Comprehensive health insurance offerings for municipal employees including medical, dental, and vision coverage with claims assistance and helpful resources.
• Property and Liability Insurance Property and casualty coverage for municipalities including property protection, liability coverage, and claims reporting with unemployment services support.
• Workers Compensation Workers compensation coverage for municipal employees with online claims reporting through the Origami Risk platform and support from Aon.
• Risk Management Services Comprehensive risk management consulting including DLS/OSHA compliance, safety committee guidance, risk transfer guidance, property valuations, onsite inspections, ergonomic evaluations, employment practices training, and driver training programs.
• Well Aware Wellness Program Wellness programming helping members' employees lead healthier lives through fitness and exercise, nutrition and weight management, mental and emotional wellbeing, illness and disease prevention, wellness coaching, and incentive programs.
• Rewards Program Incentive program helping members reduce losses while educating on prevention and maintenance best practices; members earn premium credits toward their next policy year by participating in risk mitigation activities.
• Driver Training Program Comprehensive driver training including simulator training, Emergency Vehicle Operator Course (EVOC), onsite fire training, and Safety National Online Driver Training for DPW, Fire/EMT, police, ambulance, and other municipal drivers.
• Employee Assistance Program (EAP) Management consultation, crisis intervention, counseling services, and workplace trauma response through AllOne Health partner, including over 40 motivational training sessions, leadership development series, and organizational consultation services.
• Grants Program FY27 Risk Management and Flex Grant available to members for risk mitigation and safety improvements, with applications completed online.
• Police Accreditation/Certification Reimbursement Program Program encouraging police departments to achieve Massachusetts Police Accreditation Commission standards, providing $625 reimbursement per year for the three-year accreditation process and annually thereafter.
• Agility/Preparedness Disaster Recovery Disaster recovery services through Agility Recovery providing continuity solutions including satellite communications, office space (up to 48 workstations), power generators, technology equipment, and annual testing at no upfront cost.
• Unemployment Services Program Unemployment services for municipal employers with webinar resources and guidance.
• Builders Risk Builder's risk insurance coverage for construction projects undertaken by member municipalities.
• Supplemental Group Benefits Additional group benefit options supplementing core health, dental, and vision insurance for municipal employees.
• Zywave HR Tools Human resources software platform providing HR hotline with employment attorneys, customizable handbooks, webinars, content library, HR apps (salary benchmarking, performance review builder, HR self-assessment), and cyber resources available to all 50 states.

Quantifiable outcome

• Over $2 million in annual premium credits returned to members through the Rewards Program
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Massachusetts Municipal Association (MMA)coreStrategic or Co-development PartnerMIIA is a Membership Service of the Massachusetts Municipal Association (MMA). MMA provides organizational infrastructure and member access, while MIIA delivers insurance and risk management services to MMA member municipalities. The relationship allows MIIA to leverage MMA's reach across Massachusetts municipalities.
• Agility RecoverycoreTechnology or IntegrationMIIA partners with Agility Recovery to provide disaster recovery and business continuity services to member municipalities. Services include communications equipment (satellite terminals, routers), office space (ReadySuite with up to 48 workstations), power (generators up to 100 kW), technology (desktops, servers, printers), and SaaS tools through Preparis Alerts platform. Members access these services at no upfront cost through Agility's dedicated 24x7 hotline.
• ZywavecoreTechnology or IntegrationMIIA partnered with Enquiron/HRSentry for over 12 years, now transitioned to Zywave, which acquired the company. Zywave provides HR tools including an HR Hotline (employment attorney panel), customizable handbooks, webinars, content library, HR apps (salary benchmarking, performance review builder), and cyber resources. Available to all MIIA members.
• AllOne HealthcoreStrategic or Co-development PartnerMIIA partners with AllOne Health to provide an Employee Assistance Program (EAP) to member municipalities. Services include management consultations, counseling, crisis intervention, workplace trauma response, and over 40+ training sessions covering topics from stress management to workplace bullying. Contact: (800) 451-1834.
• North American Training SolutionsminorImplementation/ SI/ Consulting PartnerThird-party training provider offering Aerial Lift Safety, Electrical Hazard Awareness, and Chainsaw Hazard training for MIIA members.
• Cranes 101minorImplementation/ SI/ Consulting PartnerTraining provider offering Bucket Truck Safety training that requires hands-on participation for MIIA members.
• Law Enforcement Dimensions (Attorney John Scheft)minorImplementation/ SI/ Consulting PartnerLegal training provider offering annual Legal and Liability Updates and various law enforcement training programs for MIIA members.
• Stay Safe Traffic ProductsminorImplementation/ SI/ Consulting PartnerTraining provider offering Work Zone Safety Training for public works employees and law enforcement officers.
• New England Water Works AssociationminorImplementation/ SI/ Consulting PartnerTraining provider offering Competent Person Training for Excavation and Trenching.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/miiasocial
• LinkedInlinkedin.com/company/miiasocial

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 MIIA SERVICES INC.