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Workers' Compensation Self-Insurance Fund


With a typical insurance provider, you’re a number. With GMA, you’re a valued member. Our Workers’ Compensation Self-Insurance Fund gives you benefits far beyond basic coverage. Learn how to reduce your costs, minimize your risk, and connect with funding opportunities for workplace safety efforts.


Our Workers’ Compensation Self-Insurance Fund features benefits we customized based on more than 30 years of feedback from members like you.
  • Minimize lawsuits through statutory coverage. With statutory coverage (the minimum amount of coverage required by state law), injured employees receive basic remuneration to cover a wide variety of workplace incidents without any legal fault to you. That means you don’t go through the pain of costly lawsuits or appear to the public that you’re avoiding responsibility.
  • Enjoy a GMA-member owned and controlled fund. You’re not an anonymous member of a giant insurance pool. Instead, feel peace of mind knowing that Georgia municipalities, municipal authorities and commissions, housing authorities, regional commissions, and municipal school districts own and control the fund.
  • Prevent employee accidents before they happen. We offer proactive safety and risk control services including:
    • Loss control field service and individual member problem analysis to help you create safer work environments and take a look at your specific problems.
    • Onsite and regional training to help communicate the basics of safety and risk control to your staff while also talking about the latest developments in workers’ compensation law and practices.
    • Plenty of research and resources including a video lending library, periodic safety and risk control publications, and other communication materials.
  • Communicate easily about claims. We offer an online portal, a toll-free telephone number, or fax number for submitting claims. Whatever’s easiest for you.
  • Take advantage of grant opportunities to help fund worker safety initiatives. Our Safety and Liability Management Grant Fund offers opportunities for you to fund the purchase of equipment, receive training, and give you the ability to tackle expensive worker safety and liability initiatives.


Your contributions are based on:
  • Individual loss experience. We compare your past workers’ compensation experiences to state averages to calculate your insurance contribution.
  • Underwriting. A risk assessment makes sure you’re eligible for workers’ compensation, and for how much.

Am I Eligible?

You are eligible for GMA’s Workers’ Compensation Fund if you’re a:
  • Municipality
  • Municipal authority
  • Municipal commission
  • Housing authority
  • Regional commission
  • Municipal school district


Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.


Abbeville Jeffersonville
Acworth Jesup
Adairsville Jonesboro
Adel Jonesboro Housing Authority
Alamo Kennesaw
Alma Kingsland
Americus LaFayette
Aragon LaGrange
Ashburn LaGrange Housing Authority
Attapulgus Lake City
Auburn Lake Park
Augusta Lavonia
Augusta-Richmond Cty Planning Comm. Lavonia Housing Authority
Austell Leesburg
Avondale Estates Lenox
Bainbridge Liberty Consolidated Planning Commission
Bainbridge Decatur County Recreation Authority Lincolnton
Barnesville Lithonia
Baxley Locust Grove
Berlin Loganville
Blackshear Lookout Mountain
Blairsville Louisville
Blakely Lumpkin
Blakely-Early County Department of Recrecreation Lyons
Blue Ridge Madison
Bowdon Manchester
Bowman Marshallville
Bremen McDonough
Brooklet McRae-Helena
Broxton Menlo
Brunswick-Glynn County Joint Water and Sewer Commission Middle Georgia Regional Commission
Buchanan Midville
Buena Vista Midway
Buford Millen
Butler Milton
Byron Monroe
Cairo Montezuma
Calhoun Monticello
Camilla Morrow
Canon Mount Airy
Canton Mount Vernon
Carnesville Mount Vernon Housing Authority
Carrollton Mount Zion
Cave Spring Nahunta
Cedartown Nashville
Centerville Newnan
Chamblee Nicholls
Chatsworth Nicholson
Chatsworth Water Works Commission Norcross
Cherokee County Water and Sewerage Authority Northeast Georgia Housing Authority
Chester Northeast Georgia Regional Commission
Chickamauga Northwest Georgia Regional Commission
Clarkesville Oakwood
Clarkston Ocilla
Claxton Oglethorpe
Clayton Housing Authority Oxford
Cleveland Palmetto
Coastal Regional Commission Patterson
Cochran Pelham
College Park Pembroke
Colquitt Perry
Comer Pine Mountain
Commerce Pooler
Conyers Port Wentworth
Conyers Housing Authority Portal
Cordele Powder Springs
Cornelia Quitman
Cumming Reidsville
Cuthbert Remerton
Dacula Reynolds
Dahlonega Riceboro
Dallas Richmond Hill
Danielsville Rincon
Darien Roberta
Davisboro Rochelle
Dawson Rockmart
Dawsonville Rome
Demorest Rome-Floyd County Recreation Authority
Doerun Rossville
Donalsonville Roswell
Douglas Royston
Douglasville Sandersville
Douglasville-Douglas County Water and Sewer Authority Senoia
Dublin Sky Valley
Dublin-Laurens County Recreation Authority Smithville
Duluth Smyrna
East Ellijay Snellville
Eastman Social Circle
Eatonton Soperton
Eatonton-Putnam County Water and Sewer Authority Southern Georgia Regional Commission
Elberton Springfield
Ellaville St. Marys
Ellijay Statesboro
Ellijay-Gilmer County Water and Sewer Authority Stockbridge
Emerson Stone Mountain
Enigma Summerville
Fairburn Suwanee
Fayetteville Swainsboro
Fitzgerald Sylvania
Fitzgerald Water, Light and Bond Commission Sylvester
Flint Area Consolidated Housing Authority Tallapoosa
Flowery Branch Temple
Forsyth Tennille
Fort Oglethorpe Thomaston
Fort Valley Thomson
Fort Valley Utility Commission Thunderbolt
Franklin Toccoa
Gainesville Towns County Water and Sewerage Authority
Garden City Trion
Unified Government of Georgetown-Quitman County Tybee Island
Georgia Emergency Management Agency (GEMA) (1) Tyrone
Georgia Mountains Regional Commission Unadilla Housing Authority
Georgia Municipal Association Union City
Gibson Union Point
Glennville Valdosta
Gordon Valdosta-Lowndes County Parks and Recreation Authority
Gray Vidalia
Greensboro Vidalia Housing Authority
Greenville Vienna
Griffin Vienna Housing Authority
Grovetown Villa Rica
Guyton Villa Rica Housing Authority
Hagan Wadley
Hahira Waleska
Hampton Walthourville
Harlem Warm Springs
Hartwell Warner Robins
Hawkinsville Warrenton
Hazlehurst Washington
Heard County Water Authority Waycross
Heart of Georgia Altamaha Regional Commission Waynesboro
Henry County Water and Sewerage Authority West Point
Hephzibah Whigham
Hiawassee White
Hinesville Whitesburg
Hiram Willacoochee
Hogansville Winder
Holly Springs Woodbine
Jackson Woodbury
Jackson County Water & Sewerage Authority Woodstock
Jasper Wrens
Jasper County Joint 911 Authority Wrightsville
If you’re not insured with GMA’s Workers’ Compensation Fund, call us today. You can reach out to:
  • We have 30 years of experience with workers’ compensation insurance.