INCREASED COVERAGE & LIMITS

Sleep well at night knowing you have the best library insurance available in the marketplace. Coverage and limits will continue to increase as the program grows and continues to leverage its purchasing power.

DECREASED COSTS

Through the power of group purchasing, LIRA members often see significant premium savings as well as more competitive deductibles.

RETURN OF SURPLUS

Along with upfront savings and improved coverage, LIRA members are eligible for a return of surplus (carrier profit) which is distributed back to the members of LIRA in good performing years.

FULLY TRANSPARENT

The LIRA program discloses every cost down to the penny. This transparency provides the membership with the comfort to know that they are getting what they deserve for their money.

MORE CONTROL

LIRA is owned and operated by its members, comprised of Illinois libraries. Members make decisions that are in the best interest of the libraries.

SAFETY & COMPLIANCE TRAINING INCLUDED

Annual on-site visits combined with unlimited online loss control offered to every member library.  Anonymous results are bench-marked and shared with the entire LIRA membership to identify continuous improvement opportunities.

DISCOUNTED SERVICES

LIRA provides its members with preferred vendor partnerships at a pre-negotiated price for a variety of products including building appraisals and background checks.