As a group purchase, the municipal insurance program offers greater price stability to clients as the insurance market fluctuates. Participants in ANML do not share risk, and each participating entity has its own limits of liability and a choice of self-insured retentions. The combined size of the program ensures the most competitive structure in both hard and soft markets.

Municipal insurance coverage can be provided to all types of public agencies, including municipalities, schools, universities, transit districts, other special districts, counties, and utilities. All municipal insurance coverages are provided on an occurrence basis, including general liability, automobile liability, public officials E&O liability, and employment practices liability. Nose coverage is available to assist clients that currently have claims-made coverage.