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 Workers’ Compensation, General Liability, Public Official Errors and Omissions, Employment Practices Liability, Law Enforcement Liability, Property, Automobile, and 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.
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.
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.
The FMIT provides Workers’ Compensation coverage to protect your employees and includes coverage for your Volunteer Workers. Learn more about Workers Comp.