Municipal Insurance Provider – Florida Municipal Insurance Trust
The Florida Municipal Insurance Trust, known as FMIT, serves as the insurance administrator for Florida municipalities and is operated by the Florida League of Cities. It provides comprehensive coverage for cities, towns, and villages throughout the state from its headquarters at 135 E. Colonial Drive, Orlando, FL 32801.
FMIT offers a broad portfolio of insurance products, including automobile liability and physical damage, property and general liability, workers’ compensation with volunteer coverage, group health benefits, and ancillary coverages. The trust also administers the Florida Firefighter Cancer Benefit Program, which provides lump-sum benefits under state law to eligible firefighters.
Beyond coverage, the organization delivers specialized services such as underwriting by dedicated rating professionals, disaster response and recovery programs, and geographically assigned member services teams. A Special Investigation and Recovery Unit, established in 1999, works to combat fraudulent claims, and the Hometown Health program supports employee wellness for municipalities carrying group health coverage through FMIT. Members also gain access to an Employment Law Advisor, who provides guidance on employment practices liability issues from a Florida-based attorney, an online FMIT Learning Library of past webinars, and a Law Enforcement Advisory Panel.
Risk management resources include a Risk and Safety Management program, a Safety Excellence Initiative, Safety Grants, and educational offerings delivered through event calendars, online learning, and on-site training. Members manage their policies and report losses through the FMIT Dashboard, a self-service tool for day-to-day administration.
The trust can be reached at the local number 407-425-9142 or toll-free at 800-445-6248, and its accessibility coordinator is available at 407-367-4008 for accommodation requests. With its Orlando base, statewide reach, and combination of coverage, claims investigation, wellness, and risk management programs, FMIT positions itself as a dedicated insurance partner built specifically for the needs of Florida’s local governments and public entities.