The early to mid years of the 1980’s showed a volatile and sometimes limited market for township insurance coverages. The cost of insurance continued to increase and became very difficult to budget. The TOIRMA Program was developed through extensive research by insurance professionals and the direction of township officials familiar with township coverage problems. The intent of the TOIRMA Program continues as originally directed twenty-eight years ago – to provide members with the most complete coverage available to Illinois townships at an affordable cost.
The TOIRMA Program was established effective June 1, 1986. It is a self-funded group pool as provided by the Joint Self-Insurance Section of the “Intergovernmental Cooperation Act” (Illinois Compiled Statutes). Townships/road districts which are members, in good standing, of the Township Officials of Illinois are eligible for membership. TOIRMA currently has 1,374 township/road district members and 312 multi-township assessing districts. We are humbled by the fact that we have achieved 100% renewal for 12 of the past 13 years
The TOIRMA Program provides a package of coverages for its members including General Liability, Auto Liability, Public Officials Liability, Property, Auto Physical Damage, Inland Marine, Workers’ Compensation, Treasurer’s Bond, and Accidental Death and Dismemberment. TOIRMA also includes coverages specific to townships/road districts such as Bridge Coverage ($50,000 limit) and the Human Resources Help Line.
Besides providing a full line of coverages tailored to the needs of townships, the TOIRMA Program also provides administrative support, underwriting, claims management, and loss control/risk management.
The Mission Statement provides that TOIRMA will maintain a stable contribution level and we are proud of that accomplishment. We also have a long-standing history of paying an annual dividend. This past year the Board of Trustees declared a dividend of 15% that will return $1,967,386 to 1,346 qualifying members. During the 23-year history of dividends, $33,196,499 has been returned.
The TOIRMA Program is governed by a Board of Trustees comprised of five elected township officials. The board is responsible for monitoring the operations of TOIRMA and works closely with the Executive Director. The Executive Director is responsible for the day-to-day operations of the TOIRMA Program.
At the request of the TOIRMA Board of Trustees, a client satisfaction survey is conducted annually to evaluate the TOIRMA Program. All surveys are reviewed and acted upon accordingly.
The TOIRMA Program is audited annually to assess the accounting principles used and to evaluate the overall financial condition. An actuarial study is also conducted annually to measure the costs of providing coverages and estimating reserves for unpaid losses.
Service to our members remains a priority of the TOIRMA Program. If we can be of assistance to you, please feel free to contact our staff as follows:
Rod Beck, Executive Director - 888-562-7861
Jim Donelan Associate Director - 888-562-7861.
Simphi Lenover, Account Manager - 800-252-5059, Ext. 1128
Beth Eyrich, Underwriter - 800-252-5059, Ext. 1139
Katie Musgrave, Claim Supervisor - 800-252-5059, Ext. 1349
Matt Knight, Loss Control - 800-252-5059, Ext. 1387
Sean Richardson, Loss Control - 800-252-5059, Ext. 1384
Please remember that TOIRMA members have access to Human Resource
professionals to assist in answering employment related
questions and issues. The Human Resources Help Line covers many areas such as: discipline and documentation, legal termination, and discrimination. The Help Line
toll-free number is: 888-472-6785, extension 1172 or extension 1146. For more information, click here.
TOIRMA's Spring 2015 Newsletter, TOIRMA News, is now available online, click here. Included in this edition is helpful information relating to: Humarn Resources Help Line, Building Altercations & New Construction, Job Descriptions, TOIRMA Test: Know Your Coverages, TOIRMA Memeber Calendar, Height of Power Lines, Welding Safety in the Workplace, National Playground Safety Week, OSHA Forms: 300 & 300A, and Please Keep all Signs Clear of Brush.
The TOIRMA Board of Trustees is pleased to announce the addition of a new coverage line, Equipment Breakdown Coverage. Designed to better protect our members, the Equipment Breakdown Coverage (also referred to as boiler and machinery coverage) applies to losses not traditionally covered by property and casualty lines of coverage. Click here to learn more.
TOIRMA offers online training to its members. Web-based interactive training is available at no charge and is good for newly elected or veteran officials, and employees, and is designed to help prevent injuries. Topics include: Back Safety; Bloodborne Pathogens; Driving & Vehicle Safety; Emergency Preparedness; Fork Lift Safety; Fundamentals of Ergonomics; General Safety & OSHA Compliance; Hazard Communication; Healthcare-General Safety; Lockout Tagout Safety; Machine Guarding; Office Ergonomics; OSHA Record Keeping; Respiratory Protection; Slips, Trips & Falls in the Workplace; and Written Job Descriptions. If you are interested in participating, please call our office at (800) 252-5059, extension 1204 (Debbie Prentice) or 1139 (Beth Eyrich) to obtain your login credentials and instructions.
During its February meeting the TOIRMA Board of Trustees voted to issue a dividend to all eligible members of the TOIRMA Program. This is the 23rd consecutive year a dividend has been issued by the Board of Trustees. TOIRMA Members participating in the Program for the previous five consecutive years are eligible to receive a dividend. What this means is that members of TOIRMA for the June 1, 2008 – May 31, 2009 program year that have remained, will receive a dividend. This year the dividend is 15% of the member’s annual contribution for the June 1, 2008 – May 31 2009 program year. The amount totals $1,967,386 in 2014, for a 23 year total returned to the membership of $33,196,499.
We have had several questions lately about the minimum age of employment. TOIRMA recommends that you do not employ anyone under the age of 18, however, the decision is ultimately made by the township. Don't ever hesitate to contact the Child Labor Hot Line if you are unsure of the job restrictions - it is 800-645-5784. The Child Labor Law Information number is 312-793-2804. One of the most common Child Labor Laws states "no minor under 16 years of age shall be employed, permitted or allowed to work...about or in connection with power-driven machinery." For additional resources, you can access information at: www.state.il.us/agency/idol/forms/pdfs/FLSCLL03.pdf, www.dol.gov/dol/topic/youthlabor/agerequirements.htm, or www.dol.gov/elaws/esa/flsa/docs/haznonag.asp.
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