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      We were formed by several Idaho Counties at a time when private insurance markets were no longer available to local governments. The program is now the primary source of property and casualty loss protection for Idaho local governments. We are organized through a Joint Powers Agreement under which our members join with one another, elect a Board of Trustees, and share governance of their program. Financial stability for our program means the ability to pay claim obligations in a volatile risk environment. We submit ourselves to regulation by the State Department of Insurance to help ensure this goal is met and the ICRMP Board of Trustees review and approve an annual internal audit and quarterly actuarial analysis. The cost of insurance coverage and risk management services are a significant consideration for ICRMP members and must be a critical concern in every decision the program makes. Preventing and reducing loss is the most important element of controlling program costs and will be a primary focus of the board and staff efforts. Financial stability, controlling claims cost, and adapting to Idaho local governments’ specific risk management needs are what we seek to achieve through our program’s mission.