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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 $1.1 billion to date. The MEL is a governmental entity that provides excess insurance and services to 19 local Joint Insurance Funds (JIFs) representing over 72% of local governments in New Jersey including 375 municipalities, 72 utility authorities, 89 housing authorities and 39 Fire/First Aid Districts. With an annual budget of $210 million and a statutory surplus of over $175 million, New Jersey's MEL system is the largest municipal property/casualty risk pool in the country.

NEWS and Recent Additions:

Cyber Liability Insurance Two-Part Webinar Series: 
The JIF purchases its primary cyber liability coverage from XL Catlin. XL Catlin has put together a two-part insurance webinar series. The first webinar, titled ‘Understand Your Cyber Liability Policy’, was held on April 20, 2017.  CLICK HERE to view this webinar presentation. The second webinar presentation, titled 'What to Do in the Event of a Breach', was presented on Tuesday, May 23, 2017.  CLICK HERE to view the second webinar.  

Online Elected Officials Training:
(Click here) to access instructions on how to take the online Elected Officials Training on Ethics in Local Government. Every year, the MEL holds training seminars for elected officials and reduces a member’s assessment by $250 for each municipal elected officials completing the course by May 15th.

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.

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.