LOGIN      CONTACT GMA      NEW TO GMA?                  

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

GMA offers safety and liability grants to members of its property and liability and GMA’s workers’ compensation fund. Look for information on grant available soon.

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.
[Error loading the WebPart 'contact_us' of type 'contact_us']
  • 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 have received $53 million in dividends (or renewal credits), significantly reducing the cost of coverage for the membership.