Ecorse was a participant in the Michigan Municipal Risk Management Authority (MMRMA) insurance risk pool for substantially all of its insurance needs, other than workers' compensation insurance. During the early to mid-1980s, Ecorse had continually failed to address insurance related matters that would expose Ecorse to insurance risks. At the inception of the receivership, MMRMA was considering the cancellation of Ecorse's insurance. MMRMA is a governmental risk pool and there was substantial political pressure to continue insuring Ecorse despite the insurance risks.