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MMIA is a risk retention pool created by the cities and towns of Montana to manage their municipal risks. The interlocal government agency developed out of the need to cover municipal liability and workers' compensation risks and has since expanded to provide property and employee benefit coverages as well. Today, these four individual coverage programs offer Montana communities the best possible service at the most affordable rates in the insurance arena. In addition to these programs, the MMIA also makes every effort to provide additional services and resources to members through the Risk Management and Member Services department.