Municipal Insurance

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In the late 1980s, New York's municipalities faced an insurance crisis and were often unable to obtain insurance coverage that was both comprehensive and affordable. Responding to the needs of their member communities, in – 1993 the State's three municipal associations – NYCOM, The Association of Towns of the State of New York and the New York State Association of Counties – created the New York Municipal Insurance Reciprocal (NYMIR).

NYMIR is a licensed, regulated insurance company that is owned by its member municipalities located throughout New York State, and is governed by a Board comprised of municipal officials. The three municipal associations serve as NYMIR's Attorney-In-Fact and are powerful advocates for the company's members. In addition to the fact that NYMIR only insures municipal governments and only operates in New York, the company prides itself on its comprehensive coverage, stable premiums, aggressive defense of claims, and extensive knowledge of municipal issues. These very qualities have been the driving force behind the NYMIR success story and are what have precipitated the company's growth from 26 local government subscribers, in 1993 to more than 880 subscribers today, making it the largest municipal property and casualty underwriter in the State. NYMIR is a classic example of local governments working together to reduce costs, manage risk and gain control of their future.

Click HERE to view cities and villages that are NYMIR Subscribers.

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In response to municipalities frustrated with workers' compensation insurance programs that utilized year-end payroll audits to retroactively increase premiums, the New York State Municipal Workers' Compensation Alliance (Comp Alliance) was formed on a simple premise – the premium you are quoted and charged for the year is what you pay.

The Comp Alliance is a group self-insured workers' compensation program that is designed to meet the unique needs of municipalities. Founded in 1994 with eight initial members, with the leadership and support of NYCOM and the Association of Towns, the Comp Alliance now has more than 280 members.

Our Mission is the same today as it was 25 years ago – to protect our members from long-term exposure to costly workers' compensation claims by providing a fiscally sound, comprehensive workers' compensation program that maintains the stable pricing necessary for municipal budgets. We accomplish this by fully funding our liabilities, providing proactive risk management services and diligent claims management services.

Click HERE to see if your municipality is a member, email This email address is being protected from spambots. You need JavaScript enabled to view it. or contact by phone at (315) 725-8077.