About CIRA
The California Intergovernmental Risk Authority (CIRA) was created to reduce and stabilize insurance costs and ensure access to the coverage and services needed for critical local government functions such as public safety, roads and transportation, and more. CIRA jointly funds general liability and workers’ compensation and provides property, earthquake, cyber, pollution, crime, and deadly weapons coverage for members. As an operational priority, CIRA focuses on helping members reduce and mitigate the incidence and cost of risk.
CIRA embodies the idea of local control, with program offerings designed to meet the specific needs of our public entity members to provide affordable coverage and exceptional service. Quite simply, CIRA is member-owned, member-governed, and member-driven.
Our Mission
CIRA is a collaborative group of public agencies providing excellent* risk financing programs. We provide innovative and evolving risk management solutions. — Excellent is defined as sustainable and stable yet flexible
We support our mission through conservative fiscal management, proactive claims management, and the implementation of cost-effective loss prevention programs. Our excellent loss history, coupled with sound fiscal planning, results in significant savings to members.
Vision:
- To be a recognized leader in providing public agency risk management solutions.
Core Values:
- We are stewards of public funds and act responsibly when it comes to financial decisions and accountability.
- We understand public entity risks and work hand-in-hand with our members on risk management and health promotion to reduce loss frequency and severity (which ultimately reduces the cost of coverage).
- We provide excellent member services and customized responses to our members’ needs, setting the standard that any other carrier would have to imitate.
- We act in an advisory capacity well beyond traditional insurance coverage as an extension of the members’ operations and staff.
- We have relationships with partners such as defense attorneys, experts, professional service providers, network providers, pharmacy benefit managers, and others to reduce the cost of services for our members.
- We help members implement risk management, loss prevention, and health promotion programs, which makes them better risk clients.
- We value long-term relationships with our members over short-term profitability.
- We provide networking and sharing of best practices between and among public entities, which helps make all public operations better.
- We participate in professional groups and associations to stay current on issues, understand changing public sector dynamics, and collaborate for improvements that benefit all public entities.
- We maintain focus on our core vision and mission to support local public entities in all our operations.
Our History
CIRA formed on July 1, 2021, upon the merger of two legacy pools: Public Agency Risk Sharing Authority of California (PARSAC) and Redwood Empire Municipal Insurance Fund (REMIF).
PARSAC
- Established in 1986
- Consisted of 35 members located throughout California
- Provided self-funded general liability and workers’ compensation programs
- Additional coverages included property, cyber, crime, special events, pollution, and other group purchased coverages
REMIF
- Established in 1974
- Consisted of 15 members located in Northern California
- Provided self-funded general liability and workers’ compensation programs, and health benefits programs
- Additional coverages included property, cyber, crime, special events, pollution, and other group purchased coverages