Member Benefits & Insurance
Insurance Benefits Built By Our Members, For Our Members
Since 1987, CVMIC has been the insurance cooperative built exclusively for Wisconsin cities and villages — member-owned, self-funded, and delivering far more than a policy.
More than Insurance — a true partnership
At CVMIC, insurance isn’t just about policies and premiums — it’s about partnership. Since 1987, we’ve been protecting Wisconsin’s cities and villages with comprehensive coverage, expert claims handling, and the financial stability that comes from working together.
Partnering with other municipalities pools your resources, spreads risk, and stabilizes costs over time — delivering results that are hard to match on your own. Together, members share knowledge and outcomes, making the whole stronger than the sum of its parts.
“Their customer service is next to none — they’re always available, ready to tackle any issue that pops up. Got questions? They’ve got resources. Need support? They’ll meet you where you are.”
“I have been in public service my whole career — 25 years — and CVMIC is head and shoulders above all other public sector insurance companies I have dealt with. The staff, resources, and trainings you offer are outstanding.”
What makes CVMIC different
CVMIC was built by municipalities, for municipalities — and that shows in every program we offer. These aren’t generic insurance add-ons. They’re purpose-built advantages that directly reduce risk, save money, and make your team stronger.
Dedicated Service Team — assigned to you
Every CVMIC member is assigned a dedicated Safety, HR, and Protective Services Specialist. They know your municipality by name — and show up in person.
Dedicated Adjusters & Support
CVMIC provides dedicated claims adjusters with specialized expertise in municipal Workers’ Compensation, Public Entity Liability, and Auto Physical Damage claims. From efficient handling of medical-only claims to fast auto validations and repair coordination, our focused approach speeds resolution, reduces administrative burden, and keeps employees and equipment safely back in service.
Best of all, these CVMIC employees partner specifically with your municipality to better understand your uniqu needs and opportunities
NeoGov HR Suite — at no extra cost
Insight, Learn, Biddle, and OnBoard — a full cloud-based HR platform covering recruiting, onboarding, training, and compliance. Included with membership.
IT Network Security Assessments — proactive protection
CVMIC assesses your network before a breach occurs — identifying vulnerabilities and providing clear guidance. Backed by cyber liability coverage and the KYND Portal launching in 2026.
Risk Reduction Grant — 50% cost-share
CVMIC funds 50% of qualifying equipment, services, and training costs that reduce injuries and losses. Scaled by member size. Simple to submit. Fast to reimburse.
Mental Health Assistance — caring for your team
CVMIC’s Mental Health Assistance Program supports the wellbeing of your employees — because a safe workplace goes beyond physical safety.
Critical Incident Response Plan — when it matters most
When a critical incident hits, CVMIC is there — connecting your team with expert legal advice, professional public relations support, and counseling sessions with an approved clinician. You focus on your community; we handle the rest. Further Advantage Program details are available in the Member Portal.
Training That Fits Your Schedule
100+ programs, built for your team
CVMIC’s training catalog features more than 100 safety, HR, and leadership programs delivered instructor-led or online and on demand — including the Emerging Leader and Perfecting Leader certification tracks. Training Genius and the CoastalFlix streaming video library put hundreds of safety and HR videos in your employees’ hands the minute they need them.
The ERI Salary Assessor gives your team market-based compensation data for local government positions — so you can recruit with confidence and retain the people who keep your community running.
Proactive protection — your dedicated SRM specialist
With CVMIC, you have a dedicated Safety and Risk Management Specialist who knows your municipality and works with you year after year. By sharing best practices across members and providing hands-on guidance and training, your SRM helps you address safety needs with confidence.
From facility inspections and worksite safety observations to written policy development and OSHA compliance support, your SRM is a true extension of your team — proactively reducing risk and helping keep your employees safe every day.
“In my role, I not only help return monetary dividends to municipalities, but also help municipal workers return home safely each day, and support a positive working environment within the communities we partner with.”
Confident, compliant leadership
Navigating HR challenges requires partnership. CVMIC’s dedicated HR Advisors bring expertise in employment law, best practices, and Wisconsin municipal needs- helping you to build strong teams, stay compliant, and lead with confidence.
CVMIC’s dedicated HR advisor works alongside your organization and understands municipal HR challenges. By sharing insights and experience from municipalities like yours, we offer practical consulting and training- helping you navigate HR every step of the way.
The dedicated HR advisor provides clear handbook language and one-on-one support to help supervisors navigate personnel matters, and if a situation is particularly challenging, CVMIC will partner with expert legals to find a solution. From ADA Titles I and II to FMLA, FLSA, anti-discrimination laws, and DOT drug and alcohol rules, our HR experts offer policy support and real time advice when it matters most.
Supporting, those who serve
CVMIC is your law enforcement partner — featuring a grant specific to managing law enforcement risk, peer support and WILEAG training, policy guidance, and accreditation participation. Our specialized programs provide financial support, policy guidance, and crisis response, because protecting those who protect our communities is what we do.
CVMIC recently expanded liability insurance coverage to include K9 officers while at home, and employs a dedicated law enforcement specialist for personalized consulting and compliance support.
“CVMIC has been a valued resource for the Jackson Police Department. I am grateful for a strong and trusted partner that supports our department in risk management and beyond.”
CVMIC has you covered
Comprehensive cybersecurity support including insurance, assessments, monitoring, education, and breach response, all provided at no additional cost to members. CVMIC is proud to host an active IT Roundtable that links members to expertise and resources.
In the event of a cyber incident, CVMIC’s process pairs responsive insurance resources with practical guidance and recovery support – keeping your team focused and your community protected.
“Service First. Insurance Always — your partner in building safer, stronger communities.“
Supporting Volunteers Who Serve
Supporting Volunteers Who Serve
Under Wisconsin law, Workers’ Compensation coverage does not extend to volunteers. CVMIC proudly provides Volunteer Accident protection for the volunteers who power local engagement and community events. Clear procedures and communication ensure prompt reporting and care when accidents occur.”
Public Entity Liability
Primary and self-funded options with excess layers, 24/7 nurse triage, Origami Risk platform, and an incentive provider network.
Workers' Compensation
Primary and self-funded options with excess layers, 24/7 nurse triage, Origami Risk platform, and an incentive provider network.
Auto Physical Damage
Fleet-wide coverage for police, fire, and public works vehicles with fast valuation, repair coordination, and salvage handling.
Collective membership strength unlocks specialized markets, competitive pricing, and enhanced policy forms that individual municipalities simply can’t access on their own.
Cyber Liability
Municipality-focused coverage at no additional cost, including KYND Portal monitoring launching 2026.
Employment Practices Liability
Government-specific EPL for wrongful termination, discrimination, and harassment claims.
Equipment Breakdown & Boiler
Mechanical and electrical failure coverage with complimentary infrared testing.
Commercial Crime
Protection against employee dishonesty, forgery, theft, and funds transfer fraud.
Pollution Legal Liability
Environmental release protection covering cleanup, third-party claims, and regulatory compliance.
+ More Programs
Volunteer accident, special events, storage tanks, aviation liability, and property coverage through MPIC.
Stronger together
At CVMIC, the best solutions often come from each other. That’s why we’ve created multiple ways for members to connect, learn, and grow together — building a network of Wisconsin municipalities that support one another and share in collective success.
From member roundtables and the bi-monthly CVMIC Connection newsletter to Summer and Annual Meeting events, your membership connects you to a statewide community of peers facing the same challenges and finding the same solutions.
The best ideas come from you
Member Roundtables give CVMIC staff the opportunity to draw on the extensive knowledge and experience of our members to benefit the membership as a whole. Participants help identify training needs, policy and procedure gaps, and emerging issues — ensuring CVMIC’s services stay grounded in the realities of Wisconsin municipal government.
Together, these forums shape CVMIC’s direction, allocate resources, and ensure we continually deliver outstanding service to every member.