Liability, auto, and public assets coverages
for North Dakota local governments.

The North Dakota Insurance Reserve Fund (NDIRF) is a non-profit risk pool that offers liability, auto, and public assets coverages exclusively to North Dakota political subdivisions.

When your entity purchases NDIRF coverage, it becomes a member-owner of the pool. We currently serve nearly 2,600 member-owners, including North Dakota’s cities, counties, school districts, townships, park districts, fire districts, ambulance districts, and many other local governmental entities.

In addition to obtaining coverage specifically designed for your entity’s needs, NDIRF membership gives your entity access to our in-house claims team and risk management resources to help enhance its operational efficiency, effectiveness, and overall safety.

The NDIRF has served North Dakota political subdivisions since 1986. Since that time, and to this day, our members have been served by people who live in North Dakota and experience the valuable services our members provide every day.