Michigan Townships

Tokio Marine HCC - Public Risk Group is the administrator of the Michigan Township Participating Plan (MTPP), which is comprised of over 1,300 small to medium size townships, villages, cities and various other public entities throughout Michigan.


  • Tailored Property & Casualty Coverages
  • Experienced Risk Management Program

Best For

  • Qualified members of the MTPP community
  • Population of up to 25,000

Summary of Coverage

The Michigan Township Participating Plan is a tailored property and casualty risk management program developed to meet the needs of public entities. The Par Plan is a program controlled by public officials who understand the needs of local governments and the confined guidelines that governments have to work within.

Some of the primary coverage's provided are: Comprehensive Municipal Liability Coverage, Law Enforcement Professional Liability Coverage, Equipment Breakdown Coverage, Auto Liability Coverage, Auto Physical Damage Coverage, Buildings & Contents Coverage, Scheduled & Unscheduled Property Coverage (Inland Marine), Broad Form Crime Coverage, Elected or Appointed Officials Resident or Place of Employment Liability, Special Event Liability, Fire Legal Liability, Public and Private Highways, Roads, Streets and Sidewalk Liability, Cemetery Professional Liability and Liquor Liability.

Michigan Township Participating Plan (MTPP)

The Par Plan was formed in 1985 to serve the needs of Townships and other small to medium sized public entities throughout the state of Michigan. Today over 1,300 Michigan public entities benefit from the many services that the Par Plan offers.

The Par Plan is a unique and proven, member-driven system that has effectively provided affordable, tailored property and casualty coverages to small and medium-sized Michigan public entities for many years. Members of the Par Plan all share common goals and needs specific for public entities. Through participation in the Par Plan, they create a team approach to meeting those goals and needs. The Par Plan is a proven, historical stable program with a 98% member retention rate and a strong, long-term working relationship with its program reinsurers.

The Michigan Township Participating Plan develops coverage programs specific to every members needs because we know that there isn't any one coverage that can satisfy the needs of each and every municipality. We offer as diverse a number of coverages as there are public entities.

Over 1,300 current members already know why the Plan is #1 in the state.

Tokio Marine HCC-Public Risk Group has been providing insurance and risk management services to municipalities for over three decades. Our field service infrastructure includes agents, claims professionals and risk control representatives. These field teams currently service over 2,500 governmental entities including numerous counties, cities, townships, villages, towns and other public entities.

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Why Tokio Marine HCC?

Tokio Marine HCC is a leading specialty insurance group with offices in the United States, Mexico, the United Kingdom and Europe, transacting business in approximately 180 countries and underwriting more than 100 classes of specialty insurance. Our products and capabilities set the standard for the industry, and many of our almost 3,000 employees are industry-leading experts. Each of our highly entrepreneurial businesses are equipped to underwrite special situations, companies and individuals, and acts autonomously to deliver effective solutions. 
financial strength

Our financial strength ensures our clients will always be protected.

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holistic portfolio

Our holistic portfolio of products includes more than 100 classes of specialty insurance

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tokio marine

Tokio Marine HCC is part of Tokio Marine, one of the largest P&C insurers in the world

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