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The Miami Valley Risk Management Association (MVRMA) is a property/casualty "insurance pool" for qualified cities in southwestern Ohio. Individually, the members of MVRMA are too small to fund a self-insurance program. Collectively, however, the MVRMA members have sufficient size and resources to effectively administer a partially self-insured program. A 1986 Ohio law allows Ohio public entities to pool together for just this purpose. MVRMA has been operational since December 1, 1988. MVRMA’s membership includes:
| Beavercreek | Indian Hill | Montgomery | Troy |
| Bellbrook | Kettering | Piqua | Vandalia |
| Blue Ash | Madeira | Sidney | West Carrollton |
| Centerville | Mason | Springdale | Wilmington |
| Englewood | Miamisburg | Tipp City | Wyoming |
- Reduced costs due to MVRMA's large self insured retention (SIR) & tax exempt status.
- Extensive internal control over claims settlement and all litigation matters.
- Greatly enhanced insurance coverage.
- Significantly reduced administrative overhead costs.
- Reduced costs due to economies of scale from group purchase of excess insurance and minimization of agent/broker commissions.
- Enhanced control over service providers
- Additional savings since investment income of loss fund is retained by MVRMA members rather than an insurance company.