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municipalauthorities.org | 67 WORKERS’ COMPENSATION TRUST MRM Trust is administered and serviced by profession- als with experience in mu- nicipal law and local gov- ernment risk management. As a self-insured group, we are able to focus on delivering quality service, particu- larly, in areas of loss control and claims management. S ince 1982, the Municipal Risk Management Trusts (MRM Trusts) have provided insurance protection for hundreds of local governments and municipal authorities across Pennsylvania. Our programs are designed to reduce risk and net costs by returning surplus — premium that insurance companies would traditionally retain as profit — to our members in the form of annual dividends. • Cities • Boroughs • Townships • Municipal Authorities • Police Departments • Fire Departments • Council of Governments • Home-Rule Municipalities Meghan Graham Suzanne Chybrzynski Contact us today to see why 400+ PA municipal entities trust MRM: PROPERTY & LIABILITY TRUST PLT offers a wide range of essential and required insurance, including Penn- sylvania-specific coverage. Our loss prevention, inspec- tion and claims handling services help reduce risks and costs so members can share in the financial benefits of the program’s annual dividend payments. ABOUT US Since 1982, MRM has been a trusted partnership of HUB International , the fifth-largest insurance advisor in the world with local offices in PA. meghan@mrmtrust.com 724.719.2579 suzanne.chybrzynski @hubinternational.com 724.992.2829 Municipal Risk Management Inc. GOVERNOR’S AWARD EXCELLENCE IN LOCAL GOVERNMENT pennsylvania Visit us at mrmtrust.com