Municipal Excess Liability Joint Insurance Fund:
Since 1985, the MEL system has become one of the most successful shared services programs in the state's history - saving New Jersey taxpayers over $1 billion to date. The MEL is a governmental entity that provides excess insurance and services to 19 local Joint Insurance Funds (JIFs) representing over 60% of local governments in New Jersey including 383 municipalities, 74 utility authorities, and 90 housing authorities. With an annual budget of $200 million and a statutory surplus of over $100 million, New Jersey's MEL system is the largest municipal property/casualty risk pool in the country.
Inclement Weather Procedure
A procedure has been instituted for Commissioners to confirm whether a meeting has been cancelled. The Executive Director will talk to the Chair to determine if a meeting should be cancelled. In the case of an early morning or evening meeting, PERMA will leave a message, which can be obtained by dialing the Fund’s main number (201) 881-7632.   For meetings that occur during normal business hours, meeting status can also be obtained by dialing the Fund office.
NEWS and Recent Additions: 
Banking and Insurance Commissioner Kenneth Kobylowski to keynote annual MEL & MRHIF Educational Seminar, Friday April 17: (Click here) for agenda and registration form for the annual MEL & MRHIF Educational Seminar at the National Conference Center at the East Windsor Holiday Inn. Continuing Education credits are available for CFO/CMFO, Clerks, Public Works, Insurance Producers, Purchasing Agents, Accountants, Lawyers, TCH Water Supply, Wastewater, RPPO and QPA.
Super Storm Sandy Scheduling Order:
(Click here) to access a memorandum on the scheduling order to finalize the remaining claims from Super Storm Sandy.

Elected Officials Seminars:
(Click here) to access a list of Elected Officials Seminars scheduled around the State.
Emergency Restoration Services:
(Click here) to access a white paper, drafted by the Morris JIF, on the legal requirements to contract for emergency restoration services.
Legal Decision Library:
(Click here) to access the MEL's expanded legal decision library covering important court decisions concerning employment practices, ethics, tort claims, workers' compensation and the open public meetings act.  

Management Webinars:
(Click here) to view eight new recorded management webinars including a risk management orientation for local officials, an orientation for new JIF Commissioners, a webinar on Workers' Compensation, a webinar on Title 59 Liability, a program on public officials and employment practices liability, a training program on environmental liability, a model Local Officials Ethics course, and a program on preventing pedestrian accidents.
2015 MEL Safety Institute:
(Click here) to access the 2015 MEL Safety Institute course listing.

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