Michigan Township Participating Plan

The Par Plan

The Par Plan

For more than 35 years, the Michigan Township Participating Plan (Par Plan) has provided members comprehensive insurance solutions and an effective plan for their insurance needs. The Par Plan’s team of specialized underwriters understand the unique needs of public entities and are experts on the coverages and services members value most. With more than 1,200 members and a 97% retention rate, the Par Plan is the largest Public Act 138 program in Michigan.

Par Plan Membership

Par Plan members are Michigan public entities, including:

• Townships
• Villages
• Cities
• Water & Sewer Districts
• Libraries
• Fire Departments
• Law Enforcement/EMS



  • General Liability Coverage
  • Law Enforcement Professional Liability Coverage
  • Broad Form Crime Coverage
  • Special Event Liability
  • Elected or Appointed Officials Resident or Place of Employment Liability
  • Cemetery Professional Liability
  • Liquor Liability


  • Equipment Breakdown Coverage
  • Auto Coverage
  • Buildings & Contents Coverage
  • Scheduled & Unscheduled Property Coverage (Inland Marine)

Our Success is Member Driven

Members of the Par Plan share common goals and needs specific to small and medium-sized Michigan public entities. Through participation in the Par Plan, a team approach is created to meet these goals and needs.

It’s the proactive, cooperative involvement of its members that has made the Par Plan a success. While no two municipalities are alike in their day-to-day operations, combining their unique experiences, knowledge and resources contributes to the fiscal benefit of all. 

Plan Benefits

Whether you are a new to the Par Plan or you are a member interested in updating or adding coverage, the Plan offers balanced insurance solutions for your unique insurance needs.

The Par Plan is administered by Tokio Marine HCC, an A++ rated insurance carrier.

  • Experienced underwriters with extensive knowledge of the municipal issues facing Michigan public entities use their expertise to write comprehensive policies tailored to meet the needs each member.
  • Risk control specialists use their expertise to assist members in identifying and avoiding loss exposure, and members commit to following established procedures. These risk control measures help control premium costs and assure the continuation of long-term availability of coverages for member municipalities.
  • When members need to file a claim, they receive the highest level of service throughout the claims process. The Par Plan’s specialized claims representatives understand the losses that affect public entities and work to resolve claims quickly while providing members with prompt, friendly and thorough communications. 

What Sets the Par Plan Apart

The Par Plan is unique in that it is governed by Michigan township public officials. These officials make up the member-elected Board of Directors. The Board meets a minimum of four times a year to review the Plan’s operation and is also responsible for developing and maintaining the Par Plan’s bylaws.

Membership in the Par Plan means having a voice about how municipal coverage is handled, service quality and the future well-being of public entities.

For more information or a proposal for coverage for your public entity, call the Par Plan today at 248-371-3100 or Become a Member. Learn how the Par Plan can benefit your community, save you money and why members stay with the Plan year after year.