What is a JIF?

A JIF brings together a number of local governments to:

1. Create the critical mass needed for self-insurance
2. Jointly purchase the excess insurance needed to cover large claims
3. Create the specialized administration needed to effectively manage the program

The JIF system administered by PERMA in New Jersey consists of 23 separate JIFs that collectively cover more than 65% of the local governments in the state. With an annual budget of $250 million, New Jersey’s MEL system is one of the largest governmental self-insurance pool for property & casualty in the country.