About FMIT

When private insurers pulled away from the local government market, public entities across Florida were left without options. The Florida Municipal Insurance Trust (FMIT) was created to change that.

Since day one, our mission has been clear: deliver long-term insurance solutions that serve local governments through every season. We are grounded in responsible rates, sound policy, and a deep commitment to public service. We understand your budget cycle, we value your responsibility to taxpayers, and we do everything in our power to help you protect your community.

FMIT is administered by the Florida League of Cities, a nonpartisan organization. Our decisions have always been driven by what’s best for our members, never by profits or shareholder returns. FMIT’s financial strength gives members confidence that we will be there when they need us, providing stable, long-term support rather than chasing short-term gains.

What Sets FMIT Apart

• In-House Member Service and Claims Management. Direct, in-house support makes doing business simple. Claims are managed internally: a major differentiator.
• Coverage Built for Local Governments. Our coverage approach is designed to provide comprehensive protection, financial stability, and adaptability to meet your evolving needs.
• Best-in-Class Disaster Response and Recovery. Our disaster recovery program leads the industry. From fires to floods to hurricanes, FMIT helps you return to normal in record time.

Learn more about the Florida League of Cities.