Membership Is a Collaboration

MCIT is a risk sharing pool that operates as a partnership among its members that is rooted in a shared purpose: a collective commitment to providing stability and financial protection for counties and county interests. Membership is not merely transactional (e.g., purchasing coverage and having claims paid). Rather, membership is a collaboration founded in mutual trust, resource pooling and the shared goal of safeguarding public services.

This partnership builds collective resilience for members to enhance their capacity for managing risks and recovering from setbacks, and to ensure continuity of services for their communities. Each member has an obligation to adhere to MCIT’s bylaws, contributing to the partnership’s overall strength and effectiveness.

Commitment to Managing Risks Individually and Together

MCIT membership requires that each member entity be committed to managing its risks and controlling losses to ensure the financial resilience of MCIT. This then contributes to safeguarding the finances of the individual member and fellow members.

Think of MCIT as a team and each MCIT member is a player on the team. When each member is fully engaged in practices, works on their skills and understands the rules, then the team performs better and wins more games with fewer penalties.

If the team has one or two players that make bad plays or receive penalties, it sets the team back and makes it more difficult to win.

What this means is that when MCIT members actively work to have fewer and lower-cost claims, collectively this adds up to a lower total cost to the program, and each member contributes a lower amount to cover the bills.

Of course, the opposite can be true. When members do not take steps to limit the number of claims or the cost of those claims, the total cost to all members goes up, putting more strain on the financial resilience of the member entities.

Partnership Goes Both Ways

Because risk pooling is a collaboration, MCIT takes its obligations to members just as seriously as members must take theirs to the pool and other members. MCIT’s mission reflects this: providing members with cost-effective coverage and valuable risk management services.

MCIT actively works with members to manage their risks. MCIT provides services as part of membership and never bills members for included services, programs and resources. Key risk management and loss control services:

• Each member has a dedicated risk management consultant and loss control consultant eager to provide their expert insights and recommendations for strengthening the member’s activities. Members have no limit to the number of service hours from consultants, unlike with private carriers. Members can connect with consultants at 866.547.6516.
• MCIT develops resources and tools for members to support their risk management and loss control efforts. These are openly available. Items range from best practices guides and articles to workplace safety programs, employee training materials and more.
• Included programs fill specific needs, such as boiler and pressure vessel inspections, Employee Assistance Program, workplace injury hotline, Work Wisely safety culture program, defensive driving training and speaker services.
• Bonus membership with Minnesota Safety Council is provided through MCIT membership. MSC is a safety-dedicated organization and offers MCIT members even more resources, services and tools to strengthen their workplace safety programs. Learn more at MSC.imiscloud.com.