**The system will be unavailable between 5:00pm on Tuesday, October 31, 2017 and 12:01am Wednesday, November 1, 2017 for month end processing.
Attention! The MBPIA Portal is compatible with Internet Explorer 9, 10 and 11. Other browsers are not supported. If you are experiencing issues with the MBPIA Insurance Decisions Portal, please click this link!
Agents using the Windows 10 operating system, please click this link!
Agents who wish to conduct business with Michigan Basic proceed to NEW AGENT SETUP
Effective August 1, 2015, Michigan Basic will outsource its Claim Operations to Broadspire Services, Inc., a third-party administrator (TPA). Agents were notified in a June 2015, Agent Communiqué, which is posted on the Michigan Basic Insurance Decisions Portal under the “Circulars” tab. Insureds and other interested parties will receive notification by mail. Click on Announcements, to read the notification.
History and Purpose
Michigan Basic Property Insurance Association ("the Association") was organized under the provisions of Act 262 of the Michigan Public Acts of 1968, which is included in chapter 29 of the Michigan Insurance code.
The Association commenced business on October 21, 1968. It is a Fair Access to Insurance Requirements (FAIR) plan. The FAIR Plans were a result of the Federal Omnibus Housing Bill, passed on August 1, 1968. The Omnibus Bill passed by the Federal Government provided for riot reinsurance if insurance companies would join together in statewide pools to offer basic property insurance to those who were ineligible in the voluntary market. The Bill gave the responsibility of the formation of FAIR Plans and their operations to the individual states.
The Association's members are all insurance companies writing similar insurance coverages in the state of Michigan and are subject to pro rata annual assessments to fund operating deficits.
The Association is a not-for-profit organization.