The statutory purpose of the Minnesota Joint Underwriting Association (MJUA) is to provide liability insurance coverage to those individuals or entities that are unable to obtain coverage through traditional methods if the insurance is required by law, or if the insurance is necessary to earn a livelihood serving a public purpose.
The MJUA provides coverage to a wide variety of businesses and individuals, including day care facilities, foster homes, group homes, guardians and trustees, liquor establishments, medical professionals, directors and officers, and nursing homes.
For some of these businesses and individuals, liability coverage is simply not available or affordable in the traditional market. For others, the MJUA can sometimes be a bridge to a business or individual entering the traditional market for the first time, or after a claims history.
In addition, by providing insurance coverage options to these individual or entities, it provides Minnesotans recourse should there be a need for a claim.
The MJUA functions as an insurer and is funded through policy holder premiums. If there is as shortfall, the private insurers in the state of Minnesota can be assessed to meet the shortfall.
Minnesota Joint Underwriting Association
12400 Portland Ave S, Suite 190
Burnsville, MN 55337