VMLIP offers comprehensive coverages, resources and services designed to meet the needs of all Virginia local governments – from the smallest to the largest.Learn More
VMLIP offers coverages tailored for schools such as School Board Legal Liability, Suspension/Expulsion, Student Accident, and more.Learn more
Water & Wastewater
VMLIP offers free accredited training, contract review, HR consultation, risk management training, and more.Learn more
VMLIP provides a number of coverages, services and resources specifically designed to mitigate the unique risks of various types of local government authorities.Learn More
VML Insurance Programs
For more than 35 years, VMLIP has provided auto, property, liability, and workers’ compensation coverage to more than 460 local political subdivisions across Virginia.
VMLIP’s programs are designed to meet the needs of all Virginia local governments – from the smallest to the largest. In addition to comprehensive coverages, VMLIP provides risk management program support, human resources, communications, and law enforcement expertise and consulting to members who contribute in excess of $54 million annually to the pool.
VMLIP offers comprehensive coverages tailored to meet a wide variety of local government exposures to loss.
We offer more than just coverage. Our safety, human resources and law enforcement specialists, as well as workers’ compensation staff offer members up-to-date information on the latest trends, news and best practices in their specialties.
VMLIP’s law enforcement services are designed to provide up-to-date and credible risk management guidance to law enforcement agencies.
VMLIP provides safety consultative services to help members develop, implement, and maintain effective risk management programs to reduce their cost of risk.
VMLIP provides human resources (HR) consultative services to members with public official’s liability coverage to assist in mitigation of employment practices liability exposure.
In addition to receiving high quality medical care, VMLIP provides personalized services to ensure that injured workers are provided with timely treatment for their injuries and that member employers are kept apprised of the claim.
VMLIP provides communications consultative services to members with public official’s liability coverage to assist members in navigating the unique communications challenges of local governments.
Each VMLIP member is designated a member services representative to guide them through various coverage options, as well as ensure they are aware of all services and resources available.
VML Insurance Programs (VMLIP) offers a variety of programs and resources designed to maximize members’ risk management efforts.
VMLIP Online UniversityProvides online learning opportunities for member staff on a number of subjects from bloodborne pathogens to sexual harassment prevention, stress management, and more. Online training saves members up to 93 percent on costs compared to standard instructor-led courses/travel time. LOGIN »
VMLIP Multimedia LibraryTo help members maximize their risk management programs, VMLIP offers a wealth of resources to supplement our various services and trainings through the VMLIP Multimedia Library.
WebinarsVMLIP offers an average of five free hour-long webinars each month on a variety of topics from safety tips to human resources, from coverage overviews to law enforcement specific training each month.
WorkshopsVMLIP offers a number of training opportunities, including workshops held each fall focused on a variety of topics, and targeted workshops held throughout the year focused on safety, human resources, law enforcement, workers’ compensation, or other topics.
Business ContinuityProvides generators, access to technology, office space, and Internet/phone connectivity for members in the event of a widespread or localized disaster, in addition to business continuity planning assistance.
Contract ReviewVMLIP offers contract review to ensure that member contracts containing insurance requirements not only have the required insurance placement, but that member entities do not unintentionally waive rights or accept liability on behalf of another. This is offered at no cost. VMLIP can also assist with drafting contract language to ensure that contracts have the needed insurance requirements.
First-Fill Prescription ProgramProvides payment for the first prescription(s) needed by an injured employee, ensuring they face no out-of-pocket expenses – even if the claim is later found to be non-compensable. Through workers’ compensation, injured employees have access to more than 1,500 pharmacies throughout Virginia.
Where the Rubber Meets the RoadProvides “train-the-trainer” instruction to member trainers, certifying them to provide National Safety Council Defensive Driving Course (DDC-4) training to member drivers as part of developing a comprehensive defensive driving program.
The VMLIP Value Proposition
For more than 35 years, VML Insurance Programs has been Virginia’s leader in group self-insurance. As Virginia’s insurance pools are assessable, it is vital that you have coverage with an organization that is financially secure.
With assets greater than $269 million and members‘ equity of nearly $98 million, VMLIP is the most financially secure self-insurance pool in Virginia.