General law and policy
NJ municipal Code on-line

Hand-delivery: 101 South Broad Street, Trenton NJ
U.S. Mail: PO Box 819, Trenton, NJ 08625
Fax: 609-633-6337

Records damaged and lost
Joint Insurance Fund webinars

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 $1.1 billion to date. The MEL is a governmental entity that provides excess insurance and services to 19 local Joint Insurance Funds (JIFs) representing over 72% of local governments in New Jersey including 375 municipalities, 72 utility authorities, 89 housing authorities and 39 Fire/First Aid Districts. With an annual budget of $210 million and a statutory surplus of over $175 million, New Jersey’s MEL system is the largest municipal property/casualty risk pool in the country.