The Library Insurance Management and Risk Control Combination (LIMRiCC) was established to provide conventional insurance coverage and/or self-insurance for claims against or by its participants. The programs offered provide participating libraries with lower premiums as all these libraries are pooled together as one organization.
Unemployment Compensation Group Account (UCGA)
Participating libraries are able to submit their portion of unemployment compensation directly to LIMRiCC rather than the state. The yearly rate is based on the last three years history of claims and taxable payroll for each library with a maximum rate of 5%.
This program provides life, health, dental and vision insurance for participating libraries. PHIP also provides an Employee Assistant Program and handles all COBRA requirements for participating libraries.