Skip to the page content
Your donations
Passes our checks

Mrm Property and Liability Tr Inc

EIN 77-0590806 · Sewickley, PA

Public records show a registered, tax-exempt organization in good standing.

LegitimacyPassesRegistration and standingFinancial healthGood83 out of 100GovernanceStrong100 out of 100Impact evidenceDescribes programsHow well its results are evidenced

What it says it does

THE MISSION OF THE ORGANIZATION IS TO PROVIDE AND ADMINISTER A PROPERTY AND CASUALTY INSURANCE PROGRAM FOR PENNSYLVANIA GOVERNMENT ENTITIES THAT PROVIDES ADEQUATE AND AFFORDABLE RISK COVERAGE FOR EACH PARTICIPANT BY TAKING INTO ACCOUNT A NUMBER OF CRITERIA WHICH AFFORDS THE PARTICIPANT AN ECONOMICALLY ADVANTAGEOUS SOLUTION BY THE POOLING OR SHARING OF CERTAIN LIABILITY RISKS.

Income
$17.2 million
Spending
$18.0 million
Spent on programs
100%
Reserves
16 months of spending
Largest source of income
fees for its services, 94%
Employees
0
Volunteers
0
Highest pay
$167,960, cfo/trust administrator

Source: Form 990 for the year ending April 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Financial health

Good: 83 out of 100. Higher than 55% of charities in its peer group (mutual benefit, $10m to $100m).

  • Reserves

    35 of 35

    Spendable reserves would cover 16.0 months of spending.

  • Debt

    10 of 20

    It owes 40% of what it owns.

  • Living within its means

    8 of 15

    Spending exceeded income by 4% of income.

  • Income trend

    15 of 15

    Income rose 9% on the year before.

  • Spending floor

    15 of 15

    100% of spending went to programs.

Source: Form 990 for the year ending April 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Governance

Strong: 100 out of 100. Higher than 74% of charities in its peer group (mutual benefit, $10m to $100m).

  • Independent board

    25 of 25

    8 of 8 voting board members are independent.

  • Conflict of interest policy

    15 of 15

    Has a written conflict of interest policy.

  • Whistleblower policy

    8 of 8

    Has a written whistleblower policy.

  • Record keeping policy

    7 of 7

    Has a written policy on keeping and destroying records.

  • Board minutes

    5 of 5

    Keeps minutes of board meetings.

  • Board sees the tax return

    10 of 10

    Gave the board a copy of this return before filing it.

  • Pay set independently

    5 of 5

    Sets its chief executive's pay through independent review and comparison.

  • Independent check of accounts

    15 of 15

    Its accounts were audited by an independent accountant.

  • No reported misuse

    10 of 10

    Reports no diversion of assets, excess benefits or loans to insiders.

Source: Form 990 for the year ending April 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Impact evidence

Describes programs. Its tax return describes what it does but we have found no measurable results in it.

Programs described in its return (3)
  1. $14.2 million spent. ORGANIZATION PROVIDES AND ADMINISTERS A PROPERTY AND CASUALTY INSURANCE PROGRAM PURSUANT TO PENNSYLVANIA STATUTORY AUTHORITY TO PROVIDE ADEQUATE AND AFFORDABLE RISK COVERAGE FOR ITS PARTICIPANTS, ALL OF WHOM ARE GOVERNMENT ENTITIES AT THE LOWEST POSSIBLE COST.
  2. $3.7 million spent. ORGANIZATION STRIVES TO MINIMIZE COSTS INCURRED BY PARTICIPANTS FOR OBTAINING ADEQUATE AND AFFORDABLE PROPERTY AND LIABILITY INSURANCE. THE ORGANIZATION RETURNS A PORTION OF POLICY PREMIUMS TO ITS MEMBERS IN THE FORM OF POLICY DIVIDENDS BASED UPON CLAIMS EXPERIENCE THEREBY REDUCING THE COST OF COVERAGE TO PARTICIPANTS.
  3. $61,872 spent. ORGANIZATION STRIVES TO REDUCE THE AMOUNT AND FREQUENCY OF LOSSES INCURRED BY EACH PARTICIPANT BY UTILIZING LOSS CONTROL PROCEDURES.

Source: Form 990 for the year ending April 30, 2025, filed with the Internal Revenue Service. Rating method 2026.2. How we rate

Legitimacy checks

  1. Is it registered with the IRS? Passed.

    Listed in the IRS master file of tax-exempt organizations as a 501(c)(3) charitable organization.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  2. Has the IRS revoked its tax-exempt status? Passed.

    Not on the IRS automatic revocation list.

    Source: Automatic revocation of exemption list, Internal Revenue Service, file dated September 30, 2026.

  3. Are donations tax-deductible? Passed.

    On the IRS list of organizations eligible to receive tax-deductible contributions.

    Source: Publication 78 data: organizations eligible for tax-deductible contributions, Internal Revenue Service, file dated September 10, 2026.

  4. Is it keeping up with its IRS filings? Passed.

    Most recent return on file covers the year ending April 2026.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  5. How long has it been tax-exempt? Passed.

    Recognized by the IRS since November 2004.

    Source: Exempt Organizations Business Master File, Internal Revenue Service, file dated September 7, 2026.

  6. Is it in good standing with state regulators? Passed.

    Not on California's list of charities barred from soliciting. Other states are not yet checked.

    Source: May Not Operate or Solicit for Charitable Purposes list, California Attorney General, Registry of Charities and Fundraisers, file dated October 7, 2026.

Ratings and checks are our reading of public records, using the published method. They are not a statement about anyone's honesty. If you work for this organization, you can send corrections or results, confirm you want gifts through Veridonate, or ask to be removed from giving.