Maintaining the NDIRF’s financial strength and stability is our highest priority. Our financial strength enables us to continue to provide liability, auto, and public assets coverages, claim resolution, and risk management resources for our members.

Since our inception, the NDIRF has maintained local control of our Fund, so only claims activity within our membership affects coverage pricing and availability. This approach has enabled us to develop coverages that meet the complex needs of our state’s local government entities while keeping prices stable – and often, much more affordable.

We also return surplus dollars to members through our Conferment of Benefits Program. Since this program first began in 1996, we have returned over $75 million to our members.