Michigan Township Participating Plan

The largest, most recognized municipal insurance program in Michigan

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Risk Control Policies

Michigan Township Participating Plan

The Michigan Township Participating Plan (Par Plan) has provided affordable property and casualty insurance coverage and related services to Michigan public entities since 1985.

Public entities have unique insurance needs and Par Plan members benefit from the program’s customized coverages, comprehensive risk management support and quick claims processing.

With more than 1,200 members and a 97% member-retention rate, it’s clear the Par Plan is successful in supporting and providing for the insurance needs of its members.

Learn how participation can benefit your community by calling 248-371-3100 or Become a Member.

Risk Reduction Grant Program

Through grants, the Par Plan helps members develop effective risk management and loss control programs.


The Par Plan provides reimbursement for members who complete a Citizen Planner or Zoning Administrator program.


Spend Less Time on HR Compliance While Reducing Risk.

Annual Dividends

The Par Plan is proud to reinvest in its members and the communities they support.

Partnered with the Michigan Townships Association as an Allied Service Provider.

Providing flexible plans to accommodate the exact needs of each unique municipality

Over 1200 members already know why the Par Plan is #1 in the state

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