About Us

What is the AMLJIA?

The AMLJIA is a member-driven pool dedicated to providing stable, cost-effective risk financing and quality loss control services designed to meet the needs of local governments and school districts.

Thirty-seven charter member municipalities and school districts created this risk management pool in 1988. The Over the years, the AMLJIA, has grown to be financially secure and has been able to focus more on preventing loses and growing the membership. No longer in its infancy, the AMLJIA has become independent of the AML, moving to its own “house” in Anchorage with a specialized staff of risk management, accounting and claims professionals. The membership has blossomed to over 150 cities, boroughs and school districts and our financial strength has reached a point where there can be no question of the program’s ability to pay claims.

None of this would be possible without the long-term commitment of the AMLJIA members. It is the membership that created the program. It is the support of members that understand that stability is our goal, and we can’t chase the market down without chasing the market back up. If we want to smooth out the ups and downs of the commercial market, we need the fortitude to stick together when the commercial market is “soft” and prices are cheap. This will offer us the chance to laugh at the “hard” market when prices are high.

Just as with people, the personality of the program was established in its youth. The AMLJIA remains committed to serving its membership -- that is our mission and we try to live it every day. Our focus now remains on helping members prevent losses, achieving pricing stability and providing first rate services to retain and grow the pool.

What is a Pool?

A pool is a cooperative arrangement that works a lot like a traditional insurer: Participating entities pay a premium (a contribution in the case of intergovernmental pools), receive coverage and make claims. In addition, many public agencies rely on their pools for assistance with overall risk management programs.

Why did Pools begin?

Intergovernmental risk sharing pools began in the United States with the creation of the Texas Municipal League Pool in 1974. The shifting legal environment faced by public agencies in the mid-'70s, particularly the steady erosion of sovereign immunity, made risk financing a major issue. Public entities needed to purchase insurance or examine alternative methods of financing this risk.

During this time period, however, insurance was hard to get. Local governments, inspired by the success of the early pools and driven by the necessity of the times, started a number of new pools. The insurance market stabilized in the early 1980's and pool creation slowed down. But, with the sharp downturn in the insurance cycle in 1985, pools were again created as public agencies of all types chose this option to finance their risk. The Alaska Municipal League Joint Insurance Association (AMLJIA) was created during this time and began operation on July 1, 1988.

What coverage do Pools offer?

Pools offer a variety of coverages including workers' compensation, unemployment, property, liability, life and health insurance. Pools in Alaska are prohibited from pooling for title, health, or life insurance.

What sorts of services can a member expect from a Pool?

Pool members have more direct control over claims-handling policies and defense strategies. They also have more control over the type and breadth of coverage and limits offered by the pool. Since representatives of pool participants sit on the board of trustees, the members themselves make those decisions.