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Property and Liability Insurance Fund


When Georgia cities faced hardships obtaining property and liability insurance in the 1980s, we stepped in. The result? A high quality property and liability insurance fund from the Georgia Interlocal Risk Management Agency (GIRMA). With 330 members, GIRMA pools your premiums into the risk-sharing fund that pays claim defense, claim losses, and more. Learn about the many benefits and options.


GIRMA offers competitive benefits that make it a better choice than standalone commercial offerings.
  • Submit claims for an unlimited number of occurrences. No cap and no aggregate limits for general liability or law enforcement coverage.
  • Receive full imbursement to buy “like new” replacements. We provide “like new” replacement cost property coverage on a blanket limit basis (covering all of your property on all of your premises) with no coinsurance clause, meaning you don’t have to pay a dime. We also do not limit increased replacement costs due to ordinance or code enforcement.
  • Prevent property and liability incidents before they happen. We offer proactive safety and risk control services including:
    • Loss control field service and individual member problem analysis to help you mitigate risk in your work environments.
    • Onsite and regional training to help communicate the basics of risk control to your staff.
    • Plenty of research and resources including a video lending library, periodic risk control publications, and other communication materials.
  • Save time through administrative benefits such as an easy renewal process, a common renewal date, and no premium audits that involve onsite visits, phone calls, and extra paperwork.
  • Save time from reporting on many vehicles. New vehicles, equipment, and property valued under $100,000 are automatically covered and do not have to be reported.
  • Receive free property appraisals which are included and conducted at no cost to you. We conduct these appraisals to ensure the proper valuation of your property.
  • Receive free legal advisory service. Our property and liability experts will talk to you about any employment and personnel matters at no cost to you. In fact, using our Hotline for Employment Legal Problems (HELP) waives your deductible on any subsequent claim.
  • Receive additional flood and earthquake coverage. We provide $10 million per member for flood and earthquake coverage, with flood zone exclusions.
  • Receive specialized data and network security coverage. This free coverage includes protection in the event that your personal and private data is breached by a computer hacker. We also cover lost or stolen computers, phishing attacks, and other breaches of cybersecurity along with notification costs to people affected by the data breach.
  • Receive additional coverage for sewer backups and zoning.
  • Participate in additional cost-saving and benefit-rich programs such as:
    • Safety and Liability Management Grant Program
      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. You’re eligible for $6,000 in funds per year, with no match required.
    • Public Safety Driving Simulator Training Program
      Our customized public safety classroom training covers defensive driving, basic physics involved in driving, proper inspection of vehicles, state requirements regarding emergency response and pursuits, and any applicable case law.
    • GIRMA Law Enforcement Initiative
      We assist your law enforcement agency to effectively manage the varied and high-potential risks associated with law enforcement operations. If you participate, you can receive up to a 20% discount on any law premiums.
    • GIRMA Inmate Medical Program
      Because you’re held responsible for the medical care of inmates/arrestees, no matter how much it costs, we provide $250,000 per inmate/per year over a $10,000 deductible to help with inmate medical claims management and catastrophic medical protection.

Plans and Options

We offer different property and liability insurance plans to meet your needs.
  • Property (including boiler and machinery property)
  • Automobile physical damage and liability
  • Law enforcement liability
  • General liability
  • Public official liability
  • Employee benefits liability
  • Pollution
  • Fidelity (including crime and all bonds)


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

Am I Eligible?

You are eligible for the GIRMA fund if you are a:
  • Municipality
  • Municipal authority
  • Municipal commission
  • Regional commission
  • Municipal school district with an average daily student population of at least 2,800
Municipalities of every size and in every Georgia region use our service. We know how to serve a city like yours.

Participating Entities

Abbeville Housing Authority Lyerly
Acworth Macon-Bibb Industrial Authority
Adel Madison
Adrian Manchester Housing Authority
Alamo Mansfield
Allentown Marietta City Schools
Alma Marshallville
Andersonville McCaysville Housing Authority
Aragon McDonough
Arcade McIntyre
Ashburn McRae Housing Authority
Ashburn Housing Authority Meansville
Athens-Clarke County Meigs
Atlanta Regional Commission Metter
Auburn Middle Georgia Regional Commission
Austell Midville
Avondale Estates Midway
Bainbridge Millen
Ball Ground Milner
Barnesville Milton
Bartow Mitchell
Barwick Molena
Ben Hill-Irwin Joint Authority Monticello
Berkeley Lake Moreland
Berlin Morganton
Bishop Morrow
Blackshear Morven
Blairsville Moultrie
Blakely Housing Authority Moultrie Housing Authority
Bloomingdale Moultrie Leased Housing Authority
Blue Ridge Mount Airy
Blythe Mount Vernon
Bogart Mount Vernon Housing Authority
Boston Mount Zion
Boston Housing Authority Mountain City
Bostwick Mountain Park
Bowman Nelson
Braselton Newington
Brinson Newnan
Bronwood Nicholls
Brookhaven Norcross
Brooklet North High Shoals
Brooks Northwest Georgia Regional Commission
Brunswick Oak Park
Buckhead Oakwood
Buford Housing Authority Ochlocknee
Byron Housing Authority Oconee
Cairo Oliver
Camilla Oxford
Canon Palmetto
Canton Housing Authority Parrott
Cave Spring Patterson
Cave Spring Housing Authority Pavo
Cedartown Peachtree City
Centerville Peachtree City Airport Authority
Chamblee Peachtree Corners
Chamblee DDA Pearson
Chattahoochee Hills Pelham Housing Authority
Chester Pembroke
Chickamauga Perry
Clarkesville Perry Housing Authority
Clarkston Pine Lake
Claxton Pinehurst
Clermont Pineview
Climax Plainville
Cobbtown Pooler
Cohutta Port Wentworth
Colbert Poulan
Collins Powder Springs
Colquitt Housing Authority Ranger
Comer Ray City
Commerce Rayle
Commerce Housing Authority Rebecca
Concord Register
Conyers Housing Authority Reidsville
Coolidge Remerton
Cornelia Resaca
Dahlonega Rhine
Dallas Riceboro
Danielsville Richland
Danville Richmond Hill
Darien Riddleville
Dasher Rincon
Davisboro Ringgold Housing Authority
Dawson River Valley Regional Commission
Dawsonville Roberta
Deepstep Roberta Housing Authority
Dexter Rochelle Housing Authority
Dillard Rockmart
Doerun Rocky Ford
Doerun Housing Authority Rome
Donalsonville Rome-Floyd County Recreation Authority
Douglasville Rossville
Dublin Roswell Housing Authority
Dublin-Laurens County Recreation Authority Rutledge
Dudley Sale City
Duluth Sandersville
Dunwoody Santa Claus
Eastman Sardis
Eatonton Scotland
Edison Screven
Ellenton Senoia
Emerson Senoia DDA
Eton Senoia Housing Authority
Fairmount Shady Dale
Fargo Sharpsburg
Fayetteville Sky Valley
Fitzgerald Smithville
Fitzgerald Water, Light and Bond Commission Smyrna
Flovilla Snellville
Fort Gaines Social Circle
Fort Valley Soperton
Fort Valley Utility Commission South Fulton Mun. Reg. Jail Auth.
Franklin South Fulton Regional Water & Sewer Authority
Gainesville Housing Authority Southern Georgia Regional Commission
Garden City Springfield
Garfield St. Marys
Georgia Mountains Regional Commission Stapleton
Gibson Statham
Glenwood Stillmore
Good Hope Sugar Hill
Graham Summertown
Grayson Summerville
Greensboro Sumner
Griffin Suwanee
Grovetown Swainsboro
Hagan Tallapoosa
Hahira Taylorsville
Hapeville Tennille
Haralson Tennille Housing Authority
Harlem Thomasville
Harrison Thomasville Housing Authority
Hartwell Thomson
Hawkinsville Three Rivers Regional Commission
Helen Tifton
Hephzibah Tignall
Hinesville Toccoa
Hiram Toomsboro
Hoboken Tri-City Housing Authority
Holly Springs Trion
Homeland Tunnel Hill
Homerville Turin
Hoschton Tybee Island
Ideal Tyrone
Irwinton Unadilla
Ivey Union City
Jefferson Uvalda
Jenkinsburg Varnell
Jesup Vidalia
Kennesaw Vienna
Keysville Villa Rica
Kingsland Villa Rica Housing Authority
Kingston Waleska
Kite Walnut Grove
LaFayette Walthourville
LaFayette Housing Authority Warner Robins
LaGrange Housing Authority Warwick
Lake City Washington-Wilkes Parks & Rec.
Lavonia Waycross DDA
Leary Waynesboro
Leesburg Whigham
Lenox White
Leslie White Plains
Liberty Consolidated Planning Commission Whitesburg
Lilburn Williamson
Locust Grove Winder
Lookout Mountain Woodbine
Lovejoy Wrens

GMA offers safety and liability grants to members of its property and liability and GMA’s workers’ compensation fund. To learn more, please download the following flyer about the grant program:

GIRMA Board of Trustees

Annual Report
Download the 2014 Annual Report (PDF, 531KB)

Case Studies
Griffin Human Resources Director Explains Why He Loves GMA’s GIRMA Helpline
October 30, 2015
Miles Neville, Griffin’s Human Resources director, has worked in his field for more than 25 years. And as part of his experience, he knows that he doesn’t know it all. In this interview, Neville talks about why smaller cities espe­cially need expert legal advice about employment and labor law, why this kind of expertise supplements the great work of city attorneys, and why the GIRMA helpline price—free!—is hard to beat.

How It Works
GIRMA Helpline: How It Works
October 30, 2015
Members of GMA’s property and liabil­ity program, the Georgia Interlocal Risk Management Agency (GIRMA), receive exclusive access to a hotline, known as the GIRMA Helpline, which offers legal advice and practical guidance about a wide variety of personnel and employ­ment law issues—at no cost to mem­bers. 

GMA Property & Liability Program Announces $5 Million Dividend for 2015
April 13, 2015
The Board of Trustees of GMA’s property and liability insurance program has declared a $5 million dividend for the May 1, 2015, renewal. The net effect of the dividend will be to reduce members' premium for the upcoming program year. 

GMA Property & Liability Program Announces $5 Million Dividend for 2014
March 10, 2014
The Board of Trustees of GMA’s property and liability insurance program has declared a $5 million dividend for the May 1, 2014, renewal. The net effect of the dividend will be to reduce members' premium for the upcoming program year. 

Auburn Saves by Switching to GMA Insurance Program
September 5, 2012
During budget meetings, the council voted to accept the bid from the Georgia Interlocal Risk Management Agency (GIRMA), which is administered by GMA. The city’s former insurer, Traveler’s Insurance, charged Auburn $93,415 in 2011. The quote from GIRMA was $76,196 and was the lowest of the three bids the city received.
If you’re not insured through GIRMA, call us today. You can reach out to:
  • We’ve spent more than 25 years helping members like you with property and liability insurance.
  • Our membership-controlled fund has nearly 330 members.
  • Fund members receive $48.5 million in dividends (or renewal credits), significantly reducing the cost of coverage for the membership.