Welcome to the website for the Wyoming Association of Risk Management (WARM). WARM is a self-funded risk retention pool that was created in 1986 by several cities and counties when private insurance markets were no longer available to local governments. The Pool originally formed out of the need to cover liability exposures and has since expanded to provide property coverage as well. Today, these programs offer Wyoming public entities excellent service at reasonable rates. WARM also strives to provide additional services and resources to its members whenever possible.