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Liability Trust Fund (LTF)

MTP operates a Liability Trust Fund (LTF) that currently has 32 members encompassing both large, mid and small systems from all over the State of Michigan. 


We are not an insurance company, but a GROUP SELF-INSURANCE POOL that provides:

  • Auto No-Fault Liability (PIP, BI & PD) 

  • General Liability

  •  Sexual Assault and Molestation (SAM)

  • Employment Practices Liability Insurance (EPL)

  • Cyber Liability


Members make quarterly deposits for which they earn interest. The cost of claims up to the Self Insured Retention (SIR) is charged to the member’s account. Any cost above the SIR is shared by all members.

At years end, an annual audit is prepared and if your system's claims, risk shared claims and administrative expenses are less than deposits, you will receive a refund! 

Other benefits of being a member of MTP include Risk Management Safety and Loss Control consultants, online safety and loss control documents through MTP's member only portion of our website, Mineral - a human resources and safety online training and certification product, semi-annual newsletters with relevant articles. One of the greatest benefits to being in a self-insurance pool is having direct access to your claims examiner and having a role in your claims handling.

MTP coverage is December 1 through November 30.  If you are interested in learning more, please contact us today!  Remember, it takes approximately 60 days for membership approval, so contact us by October 1st!


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