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Public Transportation, Insurance

Michigan's Public Transit Self-Insurance Pool

2120 University Park Dr. | Okemos | Michigan | 48864 | 800.968.3767 

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Michigan Transit Pool

Our story began on 12.1.1987, the Pool was formed with the goal of bringing a lower cost of insurance and more control into the hands of the public transit agencies and systems.  Many of our members have been with us since inception.  There have been many changes and faces over the last 36 years, but we're most proud of our consistency.  Consistency to offer the best options.  Consistency to be proactive to changing environments and circumstances.  Consistency to deliver stellar risk management and loss control strategies to support our members.  Consistency in top notch claims administration. 


We are committed to continuing the path set forth by the founding members in excellence, adaptability, member resources, and growth.

A few interesting facts about public transportation according to APTA's  2021 Public Transportation Fact Book:

  • Millennials consider public transportation as the best option for digital socializing and among the best for connecting with communities.

  • Home values were up to 24% higher near public transportation than in other areas. 

  • Traveling by public transportation is 10 times safer per mile than traveling by automobile. 

  • Communities that invest in public transit reduce the nation's carbon emissions by 63 million metric tons annually. 

These facts and more can be found on the website here.  APTA is the acronym for American Public Transportation Association.


The Michigan Transit Pool (MTP) is a member-driven, self-insured pool of Michigan public transit agencies that provides stable, cost-effective, and shared-risk insurance. The MTP is focused on preventing losses and claims by supporting its member agencies with best practices, safety, training, and risk and claims management assistance.



Michigan Transit Pool (MTP) is self-insured pool of 33 Michigan public transit agencies that provides stable, cost-effective and shared-risk insurance. MTP's focus is on safety, training and risk management to help members prevent or reduce loss and claims.

MTP is governed by an Executive Committee comprised of representatives from member agencies elected by the membership and is managed The ASU Group, a full service claims management and insurance services company that assists members with claims management. MTP’s Finance and Risk Management subcommittees also assist by providing direction, guidelines and internal controls.

The Executive Committee meets bi-monthly at ASU’s offices located in Okemos, Michigan.

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MTP Provides Coverage for Your Transit System

MTP operates two separate trust funds for the benefit of its members. These are the Liability Trust Fund, and the Direct Property Damage Trust Fund. MTP stands behind its members in the event of claims or lawsuits filed against members. As an MTP member, you have direct input into how claims or lawsuits are managed to give you greater control of the outcome.

Liability Trust Fund (LTF)

Direct Property Damage Trust Fund (DPDTF)

Safety and
Loss Control

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There are many benefits and advantages of being a member of the MTP! Perhaps the biggest benefits are the  flexible coverage, broader coverage, potential premium refunds and significant cost savings when compared with open insurance market rates. There are no agent commissions or company profits.  


MTP’s deep understanding of the unique needs and challenges of transit systems allow it to provide industry-specific guidance and resources aimed at improving safety and preventing or reducing risks and claims.

Membership Benefits & Advantages

Broader Coverage – MTP as a whole determines level of coverage

Flexibility – MTP can change coverage as needed to meet the Pool's unique needs

Retrospective Adjustments - Based on the combined Pool and individual member's claim activity each year, there is potential for premium refunds of unallocated dollars

Cost Savings – Costs are significantly lower than commercial market rates

Stability – Cost are more stable than the cyclic nature of the commercial insurance market

Loss Control – MTP provides guidelines, policies and training materials that help members reduce risks and losses and improve safety and efficiency

Support Resources – MTP offers a plethora of resources for members that include best practices, policies and procedures, training materials, audits and assessments and other tools and services that help transit agencies promote safety and efficiencies to prevent or reduce losses and claims.

Newsletter – MTP’s semi-annual newsletter, MIPoolNews, keeps members informed of new and features articles on best practices, trends and safety tips that members can put to use.

Membership Inquiry:

Any Michigan public transportation system or entity whose main function is public transportation is eligible to apply for membership.  The annual enrollment deadline is December 1, which is the beginning of the new policy year. New members are accepted with approval by the MTP Executive Committee. 

Applications are usually processed and approved within 60 days, provided there are no unusual or special circumstances to be considered. Transit agencies interested in joining MTP may contact the ASU Group to request a quote and application.  Start the process no later than October 1st for the December 1st deadline.

Join MTP’s 33 members in enjoying the advantages and benefits of being a transit pool member.



Since it's inception in 1987, the Michigan Transit Pool has grown and become an integral part of many successful transit companies.  it is our privilege to serve our members and honor them here:

Alger County Transit Authority 
Antrim County Transportation           
Bay Metropolitan Transportation Authority              
Berrien County Public Transportation Corp.             
Blue Water Area  Transporation Commission              
Branch Area Transit Authority                          
Cadillac / Wexford Transit Authority                   
Caro Transit Authority                                         
Cass County Public Transportation Auth.                    
City of Hillsdale Dial-A-Ride                          
Clare County Transit Corporation                       
Clinton Area Transit System                                    
Delta Area Transit Authority                           
Eastern Upper Peninsula Transportation Auth.       
Eaton County Transportation Authority          
Gladwin City/County Transit                            
Gogebic County Transit Authority                 
Greater Lapeer Transportation Authority                
Huron Transit Corporation                              
Interurban Transit Authority                           
Jackson Area Transportation Authority               
Ludington Mass Transportation Authority        
Macatawa Area Express Transportation Auth.                      
Marquette County Transit Authority                             
Mecosta Osceola Transit Authority                 
Muskegon Area Transit System                                   
Sanilac Transportation Corporation             
Shiawassee Area Transportation Agency          
St. Joseph County Transportation Authority             
SMART Fixed Route                      
SMART Connector                        
Thunder Bay Transportation Authority           
Twin Cities Area Transportation Authority         
Yates Township Dial-A-Ride 

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have you heard?

Press Coverage

D. McElroy, G. Griffin Presentation of State of Michigan Tribute for 35 Years in Business

J. DeKoning, G. Griffin, B. Rhoades presenting an honor from AGRiP for Transit RE achieving advisory member status.  MTP is a partner with TRL. 

Executive Committee Meetings

July 17, 2024 

September 18, 2024

November 20, 2024

January 15, 2025

March 19, 2025

May 20 - 21, 2025 Annual Meeting (Shanty Creek Resort, Bellaire, Michigan)

Cybersecurity Awareness for Transit Agencies Links and Resources available to members

Please check the Member Only Resources section of this website for excellent webinars, links, resources and a webinar recording.  "FTA and the Cybersecurity and Infrastructure Security Agency (CISA) hosted a webinar on Tuesday, October 24, 2023 in acknowledgement of October's Cybersecurity Awareness Month.  This webinar focused on FTA and CISA cybersecurity resources available to transit agencies, and provided information on cyber hygiene, ransomware guidance and support to transit agencies through CISA."

Catalytic Converter Thefts on the Rise... here are some preventions to consider

Click here to read Adam Wilberding's recent article on straps to protect the catalytic converter.


And here for more options from CATAlert.


Did you know?

In 1661, mathematician Blaise Pascal conceived the world's first bus service, proposing that a number of coaches should "circulate along predetermined routes in Paris at regular intervals regardless of the number of people," and pick up passengers for a small fixed fare.  The word bus is short for omnibus, which means "for everyone."  Bus was first introduced in this sense in the 1830s, its "everyone" meaning referencing the fact that anyone could join the coach along its route, unlike with stagecoaches, which had to be pre-booked.

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MTP Executive Committee

Committee Members are elected by the full board to three year terms and meet bi-monthly virtually and in-person.  The Pool also has subcommittees for Finance and Risk Management.  


Dave McElroy, President
Larry Alpert, Vice-President
Jim Oliver - Treasurer
Kelly Bales - Secretary

Tom Pirnstill
Karen Mendham
Ken Jimkoski
Mike Brown
Carrie Thompson
Joe DeKoning, Transit Re Liaison

Partners, Vendors and Affiliations:

The ASU Group logo
Ohio Transit Risk Pool Logo
Murphy Spagnuolo.webp
Pinnacle Actuarial Resources Logo

ASU Team Serving the MTP:
Glen Griffin, Executive Director
Kimberlee Hanes, Claims Examiner
Adam Wilberding, Safety and Loss Control
Kristine Schreiber, Policy Administration

Transit Reinsurance Logo
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Association of Governmental Risk Pools Logo
Michigan Public Transit Association Logo
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Thanks for submitting!

We can't wait to hear from you!

Glen Griffin

Executive Director


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