Law Advisor

Legal guidance on
employment practices
liability issues.

FMIT Synergy Turnkey
Recovery Services Stories

Click here to see the FMIT Synergy
 Turnkey Recovery services in action!

Hometown Health

Hometown Health is an employee health promotion program
for municipalities that have group health insurance
with the Florida Municipal Insurance Trust.

Protecting the Communities We Call Home

Our Services

Risk and Safety Management

The FMIT Team of risk and safety professionals will work with you to identify and address potential hazards and exposures.


Our FMIT rating and underwriting professionals always strive to provide exceptional service for our member's needs.

SimpliCity/Property Program

Under the direction of FLC's Insurance Services, FMIT members benefit from response and recovery programs provided by SynergyNDS.

Trust Services

The FMIT has created a team of experts for each of its geographically assigned territories dedicated to assisting you.

Special Investigation Unit

To reduce fraudulent claims against FMIT members, in 1999 the League created the Special Investigation Unit (SIU).

Hometown Health

Hometown Health is an employee health promotion program for municipalities that have group health insurance with the FMIT.

Employment Law Advisor

This new member benefit will give you legal guidance on employment practices liability issues from a Florida-based attorney.

Our Coverages

General Liability

The FMIT provides General Liability and Professional Liability in one combined policy. These coverages are written on an occurrence format. Coverage also includes Cyber Liability.


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


The FMIT provides Property coverage for municipalities, regardless of where they are located in Florida.

Workers' Compensation

The FMIT provides Workers' Compensation coverage to protect your employees and includes coverage for your volunteer workers.

Group Health

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

Ancillary Coverages

The FLC is able to obtain different types of coverage that are not provided by the Florida Municipal Insurance Trust.

About Us

The Florida League of Cities, administrator of the Florida Municipal Insurance Trust, is the state-wide advocacy association for the cities, towns and villages of Florida.

The League established its first insurance program in 1977 to provide workers’ compensation coverage and services to governmental entities. Early success of that program led to the establishment of Trusts for the liability, property and health lines of coverage. This firmly established the League as the leader of these services in Florida. 

In 1987, the League opened its Public Risk Services office to administer the programs in-house. Subsequently, the insurance programs were consolidated under the name “Florida Municipal Insurance Trust” (FMIT). 

The FMIT, governed by elected officials, is a non-assessable local government risk-sharing pool. It provides insurance services for more than 550 public entities in Florida, of which over 250 are municipalities. Learn More