The Florida Municipal Insurance Trust (FMIT) is exclusively for our members – the public entity sector. All of the coverages provided are geared specifically for the public entity’s insurance needs including General Liability, Public Official Errors and Omissions, Employment Practices Liability, Law Enforcement Liability, Property, Automobile, Workers' Compensation and so much more.
First dollar coverage, deductible programs, deductible plans, and even self-insured retention options are offered. We are always looking to enhance our products to better serve our members to both reduce their costs and provide protection when claims do occur. Learn more about our products by clicking on the links below or by clicking  Find an FMIT Contact to discuss your insurance needs with your dedicated account executive.

  Automobile Insurance

The FMIT provides Auto Liability and Physical Damage coverage to cover your entity’s needs. 

               Learn more about Auto Insurance.


  propertyinsProperty and Liability Insurance

The FMIT provides Property coverage for municipalities, regardless of where they are located in Florida. Our unique reinsurance program allows us to continue to be very competitive and provide coverages that                others in the industry may decline to write. Learn more about Property and Liability Insurance.

  genLiaInsGeneral Liability

The FMIT provides General Liability and Professional Liability in one combined policy. These coverages are written on an occurrence format. The FMIT is the only municipal writer in Florida to                                              provide an occurrence form for both of these coverages.  Learn more about General Liability.


Workers' Compensation

The FMIT provides Workers’ Compensation coverage to protect your employees and includes coverage for your Volunteer Workers.  Learn more about Workers' Compensation.

Group Health

Through our Group Health Program, we are able to provide your entity with a variety of Group Health Benefit packages.  Learn more about Group Health.

Ancillary Coverages

The FLC can obtain different types of coverage that are not provided by the Florida Municipal Insurance Trust.  Learn more about Ancillary Coverages.