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Property/Casualty - MSIP
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Member Owned & Operated

Proven Performance History

The MSIP provides services to the West Michigan Risk Management Trust. The WMRMT was founded on July 1, 1990 by member districts struggling to obtain competitively priced insurance in the standard marketplace.  For over 25 years this member-owned and run organization has successfully provided schools with comprehensive insurance coverages, competitive and stable pricing along with school specific risk management services.


Throughout its history members have incurred positive claims experience which has helped keep them in a very strong position with insurance carriers.  The performance of this member-owned pool has helped keep rates competitive while allowing surplus dollars to be returned.


WMRMT has partnered with Arthur J. Gallagher & Co., one of the world’s largest risk management specialists, to provide insurance brokerages and administration services.  Annually, this group has insurance coverages bid to ensure rates are competitive and insurance coverages are current with emerging school risks.

Member Benefits

  • Annual on-site loss control inspection
  • Certified playground inspections provided at no cost
  • Annual Transportation in-service providing bus driver safety training
  • Risk Management in-service for school administrators, facilities & operations, and more
Coverages & Pricing  Reviewed Annually

MSIP provides services directly tailored to the coverages provided by WMRMT, which is crafted Coverage is crafted specifically for K-12 schools and is backed by A+ rated insurance companies.  This process is reviewed annually by MSIP to ensure the risks present at member districts are appropriately insured and competitively priced.  A few coverage highlights include the following:

Coverage Highlights

  • Sexual abuse & molestation coverage
  • Cyber liability including 1st Party, 3rd Party and Event Response coverage
  • Pollution legal liability coverage
  • School Board Legal liability, including Front & Back pay and E.E.P. hearings
  • Automatic coverage for newly purchased buses
  • Programs, seminars, and other risk control services

Risk control coupled with claims management and favorable claims history have resulted in  in MSIP Members receiving surplus dividends equating in over $1,400,000 in returns over the past five years.