Leaders in Governmental Risk Management

The joint insurance funds (JIFs) administered by PERMA have saved New Jersey taxpayers over $4 billion since the inception of the program.

  • PERMA-administered JIFs are recognized for their effective safety programs.
  • PERMA’s programs have the lowest administrative costs in the business.
  • PERMA’s programs are operated with the highest standards of financial strength.

Joint insurance funds are closely regulated governmental entities that insure local governments and are controlled by member-appointed Commissioners who make all of the program decisions. Fund meetings are open to the public and subject to the Open Public Meetings Act and the Open Public Records Act. All contracts are open to competitive quotations.

Risk Management

A carefully designed risk management program is the key to controlling insurance costs.


PERMA helps JIF Commissioners substantially exceed the highest standards for the governance of public entities.

Property & Casualty JIFs

JIFs are a cornerstone of local government insurance in New Jersey.

Health JIFs

A healthy workforce is a basic pillar of a successful public entity.

Resource Center

Click to read how PERMA has developed numerous special programs to help local governments address issues that directly impact the public.

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