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Municipal Excess Liability Joint Insurance Fund:

Since 1985, the MEL system has become one of the most successful shared services programs in the state's history - saving New Jersey taxpayers over $1 billion to date. The MEL is a governmental entity that provides excess insurance and services to 19 local Joint Insurance Funds (JIFs) representing over 60% of local governments in New Jersey including 383 municipalities, 74 utility authorities, and 90 housing authorities. With an annual budget of $200 million and a statutory surplus of over $100 million, New Jersey's MEL system is the largest municipal property/casualty risk pool in the country.
NEWS and Recent Additions:
Management of Special Events: 
(Click here) to view the Management of Special Events booklet -- which includes a Special Event Safety Checklist. Special thanks to AJ Gallagher for revising the publication.


2017-2018 Employment Practices Risk Control Program: 
(Click here) to review EPL Compliance Program -- which includes Personnel Manual & Training Requirements.

Technology Risk:
(Click here) for information that the MEL commissioned the Rutgers University Bloustein Local Government Research Center to produce in order for local governmental entities to assess risks and ensure the security of their information systems.

Super Storm Sandy: 
We are pleased to report that all 110 Super Storm Sandy flood claims are now resolved and that Judge Carver has issued an order confirming each member’s share of the coverage available from the Zurich American Insurance Company. (Click Here)for the  full test of the decision.  Also, (Click Here) for the announcement that was sent to all members.  The reconciliation along with complete documentation is also being sent to FEMA to make it easier for members to process their claims.  Each member is responsible for making sure FEMA has all information needed to finalize their claims.

Emergency Restoration Services:
(Click here) to access a white paper, drafted by the Morris JIF, on the legal requirements to contract for emergency restoration services along with a list of vendors that have been pre-qualified.

Legal Decision Library:
(Click here) to access the MEL's expanded legal decision library covering important court decisions concerning employment practices, ethics, tort claims, workers' compensation and the open public meetings act. 

Management Webinars:
(Click here) to view eight new recorded management webinars including a risk management orientation for local officials, an orientation for new JIF Commissioners, a webinar on Workers' Compensation, a webinar on Title 59 Liability, a program on public officials and employment practices liability, a training program on environmental liability, a model Local Officials Ethics course, and a program on preventing pedestrian accidents.