SPRINGFIELD. The Massachusetts Interlocal Insurance Association is distributing $10.6 million in rebates to cities and towns that buy their workers compensation and property casualty insurance through the association.

The association paid $8.6 million in credits in fiscal years 2009 and 2010 based on how long communities have participated in the program, said Carol E. LaRosa, a spokeswoman for the association.

Municipalities earned an additional $2 million in rebates by sending employees to 61 association-sponsored seminars and then implementing the safety and cost-savings ideas taught there. Cities and towns can earn up to a 2 percent rebate by participating in the seminars, LaRosa said.

The Massachusetts Interlocal Insurance Association is a non-profit insurance arm of the Massachusetts Municipal Association. It insures nearly 400 cities and towns.

In Hampden County, the communities are Blandford, Brimfield, Chester, East Longmeadow, Granville, Hampden, Holland, Longmeadow, Ludlow, Monson, Montgomery, Palmer, Russell, Southwick, Tolland, Wales, Westfield and Wilbraham.

In Hampshire County: Amherst, Chesterfield, Cummington, Easthampton, Goshen, Hatfield, Huntington, Middlefield, Northampton, Ware, Westhampton, Williamsburg and Worthington.

And in Franklin County: Ashfield, Charlemont, Colrain, Conway, Deerfield, Erving, Gill, Heath, Leverett, Leyden, Monroe, New Salem, Northfield, Orange, Rowe, Shelburne, Shutesbury, Sunderland, Wendell and Whately.