Membership
Membership in NHRMA Mutual, MPIC and/or IPIC means much more than simply paying premiums to an outside insurance company. It is a partnership with each company; we work 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
(Currently available only in Illinois)
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 and IPIC
Midwest Provider Insurance Company (MPIC)
Midwest Provider Insurance Company (MPIC) provides professional and general liability coverage to long-term care facility operators in Illinois, 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.
Indiana Provider Insurance Company (IPIC)
Indiana Provider Insurance Company (IPIC) was formed to serve the specific professional and general liability needs of long-term care facilities in Indiana. As a division of MPIC, the same benefits, attention to detail and support that members receive from MPIC is also provided by IPIC.
As a division of MPIC, IPIC's rates are based on the expected losses of its members. And IPIC members have access to the same Risk Management Program as MPIC members.
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 and Iowa, while IPIC serves only Indiana facilities. This 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
