About Us

On January 1, 1987, eight public entities formed the Mercer County Municipal Joint Insurance Fund. These charter members joined together, pooling their resources, in an effort to obtain property and casualty insurance, including workers’ compensation, at a competitive fee.

Each member had an ownership and a duty to define the structure and coverages that they would have, setting the stage for the next 25 years.

The growth of the fund led to a name change and in 2001 the Mercer County Municipal Joint Insurance Fund changed its name to the Mid Jersey Municipal Joint Insurance Fund. The name change was to better define the membership.

Currently, the fund represents members from Mercer, Middlesex, Ocean, and Somerset County.

Mission Statement

MIDJIF is a joint insurance fund that was formed in an effort to provide a comprehensive insurance program to municipalities with similar exposures and risks through the pooling of resources. The fund's goal is to provide predictability and long-term stability of pricing, while managing risk through extensive safety and claims management programs.

How is MIDJIF Governed?

MIDJIF operates as a state regulated joint insurance fund. Its members elect a seven-member Executive Committee, which is responsible for the fund’s operations.

The day-to-day operations are the responsibility of Risk and Loss Managers, Inc. (RLM). RLM is an experienced joint insurance fund administrator with offices in West Windsor, New Jersey.

Fund Professionals

Actuary – The Actuarial Advantage, Inc.

Administrator – Risk and Loss Managers, Inc.

Attorney – Windels Marx Lane & Mittendorf

Auditor – Withum, Smith & Brown

Claims Administrator – Qual-Lynx

Custodian of Funds – Marlena Schmid

Investment Manager – PFM Asset Management, LLC

Managed Care – Qual-Lynx

Safety/Loss Prevention Specialist – J.A. Montgomery Risk Control