Membership
Membership in NHRMA Mutual and/or MPIC means much more than simply paying premiums to an outside insurance company. It is a partnership with NHRMA Mutual and MPIC, working together with our members to lower your workers' compensation and professional/general liability costs. Members demonstrate their commitment to this mutual form of insurance protection by adopting state-of-the-art risk management protocols.
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Get to know NHRMA Mutual
NHRMA Mutual
Member owned and member controlled, NHRMA Mutual provides workers' compensation coverage and risk management services to long-term care industry operations in Illinois. Covering more than 500 locations, NHRMA Mutual members work together to control their workers' compensation insurance risks. NHRMA Mutual works with each member to reduce the frequency and severity of employee injuries, as well as the duration of disability claims.
Our unique loss-sensitive program provides immediate savings to those who implement NHRMA Mutual recommended risk management programs. Members can maximize employee safety and minimize injury and the consequential costs. NHRMA Mutual truly is as close to self insurance as small- and medium-sized providers can be while still providing a protective "cap" for adverse losses.
Eligible Operations
• Skilled and intermediate care facilities
• Assisted living/supportive living facilities
• Retirement/residential living
• ICF-DD facilities/group homes/workshops
• Day training programs
• Home health care and hospice agencies
• Small community hospitals
Get to know MPIC
Midwest Provider Insurance Company (MPIC)
Midwest Provider Insurance Company (MPIC) provides professional and general liability coverage to long-term care facility operators in Illinois, Indiana, Iowa and Missouri.
The MPIC Liability Program is truly a member-owned, member-controlled insurance program. MPIC's rates are based upon expected losses of the program members—not market conditions and not expected losses of the entire industry.
MPIC's Risk Management Program helps members reduce the likelihood of becoming the target of frivolous liability claims.
Eligibility
In order to ensure an adequate spread of risk and to minimize varied exposure to liability claims, MPIC currently limits coverage to Illinois, Missouri, Iowa and Indiana. MPIC's limited geographic distribution affords better services for long-term care facility operators, while limiting overall administrative costs.
Eligible Operations
• Skilled and intermediate care facilities
• Independent, assisted and supported living facilities
