Coverage Built for Wisconsin Municipalities
Broad forms. High limits. Narrow exclusions.
Every CVMIC program is purpose-built for the exposures Wisconsin cities and villages actually face — underwritten by a mutual that answers only to its members.
Core programs — underwritten directly by CVMIC
Three coverages form the foundation of every CVMIC member’s protection. We underwrite them directly — delivering coordinated claims handling, efficient resolution, and deep municipal expertise all under one roof.
When you call with a claim, you reach a team that owns the risk alongside you and is fully invested in your outcome. No broker in the middle. No guesswork about where a call goes next.
Coverage Picture — at a glance
Program
Type
Included
Core
Optional Group Purchase
By quote
Public Entity Liability
A manuscript form written specifically for Wisconsin municipalities — not adapted from a commercial template. Coverage is written on an occurrence basis and includes general liability, auto liability, personal injury, and public officials E&O under one coordinated policy.
Broad Coverage, Narrow Exclusions
CVMIC's forms are designed to say "yes" more often — exclusions are kept intentionally narrow so your municipality is protected when an incident occurs.
Defense counsel support
Access a curated roster of defense counsel experienced in Wisconsin municipal law — aligned with case complexity, venue, and your expectations.
One coordinated policy
General liability · Auto liability · Personal injury · Public officials E&O · Defense cost coverage · Medical payments.
A manuscript form — not a commercial template — written for Wisconsin’s cities and villages
Workers' Compensation
Primary workers’ compensation and self-funded options with excess layers to protect against catastrophic loss. Layering creates budget certainty while preserving high-quality care for injured workers.
24/7 nurse triage line
Injured employees get immediate access to a registered nurse — automatically initiating the claim process and directing employees to appropriate care.
Origami Risk platform
Real-time claims data, analytics, and dashboards illuminate trends, support budgeting, and target prevention efforts.
Return-to-work network
High-quality providers at negotiated rates, paired with return-to-work programs that coordinate modified duty to get employees safely back on the job.
Auto Physical Damage
Comprehensive and collision solutions for your entire fleet — police and fire vehicles, public works trucks, and passenger automobiles — keep equipment mission-ready through fast valuation, repair coordination, and salvage handling.
Fleet-wide Protection
From patrol units and ladder trucks to plow fleets and administrative vehicles — coordinated coverage minimizes downtime when an incident occurs.
Integrated Auto Liability
Auto liability protection is fully integrated with Public Entity Liability — seamless protection for owned, hired, and non-owned vehicles in municipal service.
Insurance Benefits Built By Our Members For Our Members
Collective strength — markets you can't reach alone
Beyond what CVMIC underwrites directly, collective membership unlocks specialized insurance markets, enhanced policy forms, and competitive pricing that individual municipalities cannot negotiate on their own.
CVMIC coordinates placement, manages renewals, and ensures seamless integration with your core program — a single point of contact for everything.
Cyber Liability
Municipality-focused cyber coverage at no additional cost to members — CVMIC’s response to the growing frequency and severity of cyber threats facing Wisconsin local government. From ransomware to privacy breaches, you’re covered and supported.
Ransomware · Breach response · Business interruption
Workforce & People
I.
Employment Practices
Government-specific EPL addressing wrongful termination, discrimination, and harassment — reinforced by HR training and policy templates that reduce exposure before claims arise.
- Wrongful termination and discipline
- Discrimination and harassment allegations
- Retaliation claims coverage
- HR Advisor support and policy templates
Workforce & People
II.
Commercial Crime
Protection against employee dishonesty, forgery, theft, and funds transfer fraud — supported by internal controls guidance, auditing resources, and training.
- Employee dishonesty and theft
- Forgery and alteration
- Funds transfer and computer fraud
- Internal controls and audit support
Workforce & People
III.
Volunteer Accident
Wisconsin law does not extend Workers’ Compensation to volunteers. CVMIC fills that gap — protecting the people who power local events, community programs, and municipal engagement.
- Accidental death and dismemberment
- Medical expense reimbursement
- Covers volunteers at all municipal events
- Simple reporting procedures
Operations & Infrastructure
IV.
Equipment Breakdown
Mechanical and electrical breakdown coverage keeps critical municipal infrastructure running — with risk engineering to identify vulnerabilities before failures occur.
- Boiler and pressure vessel coverage
- HVAC and mechanical equipment
- Electrical equipment failure
- Complimentary infrared testing for members
Operations & Infrastructure
V.
Pollution Legal Liability
Coverage for environmental releases, cleanup costs, and third-party claims — coordinated with regulatory and operational needs for utilities, public works, and water systems.
- Pollution release cleanup costs
- Third-party bodily injury & property damage
- Regulatory defense costs
- Storage tank options (above and below ground)
Operations & Infrastructure
VI.
Special Events
Coverage for public gatherings — festivals, parades, farmers markets, concerts. CVMIC aligns permits, indemnification, and vendor insurance so events are safely protected.
- General liability for event operations
- Vendor and third-party liability alignment
- Permit and indemnification guidance
- Liquor liability options available
Partner Program
VII.
Property Coverage
CVMIC works closely with the Municipal Property Insurance Company (MPIC) to ensure facilities and equipment are properly protected — buildings, contents, property in the open, contractor’s equipment, fine arts, pier and wharf — coordinated seamlessly with your CVMIC program.
Outside Standard Programs
VIII.
Specialty Coverage Solutions
Some municipal operations require specialized solutions outside standard programs. When new services, expanded operations, or unique exposures arise, CVMIC connects you with the right markets — ensuring proper coverage structure so you can move forward with clarity and confidence.
- Underground & above-ground storage tanks
- Airport owners & operators liability
- Joint services & intergovernmental partnerships